If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.

×

ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Not yet a client, but looking to get started?

ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

Resources & Tools

How To Avoid Debt

If you like our content, make sure to subscribe to our channel! 

Credit cards and loans can feel like free money, and consumers may quickly forget how much they can actually afford to spend. Even though taking out loans and using credit cards are often necessary, there are strategies to minimize debt.

ACCC offers seven tips on how to avoid debt:

1. Set a monthly budget

Divide your monthly budget between three categories – necessities, wants, and pending debt.

2. Pay with cash

Use cash whenever possible to avoid overspending with a credit card.

3. Avoid “buy now, pay later deals”

This type of payment option is a way for consumers to postpone debt, but you may not be able to afford the entire cost.

4. Track credit card payments

Keep track of all your credit card payments to avoid accidental overspending. Also look out for fraudulent activity.

5. Have emergency savings

Debt is often created due to unexpected expenses, like medical bills or home repairs. An emergency fund is helpful to fall back on to avoid debt.

6. Stay up to date on loan payments

If you pay late, you risk accumulating late fees on top of your debt.

7. Limit amount of credit cards

Limiting the credit available to you should hopefully decrease your chances of falling into debt.

creditU

Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: debt-resources-tools/videos/informational-videos/how-to-avoid-debt
Matched Rewrite Rule: debt-resources-tools/([^/]+)/([^/]+)/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=videos/informational-videos&debt-resources=how-to-avoid-debt
Loaded Template: single-debt-resources.php