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:

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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.

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Need to Get Out of Debt?

Call Now 800-769-3571

We can help!

ACCC can offer you Debt Management Counseling to help you:

  1. Reduce your interest rates and monthly payments by 30-50%
  2. Consolidate credit card bills into one simple monthly payment
  3. Bring an end to harassing calls from debt collectors
  4. 100% free consultation with a certified debt specialist
  5. Become Debt-Free (3 - 5 years in most cases)

ACCC is a trusted nonprofit organization serving consumers since 1991.
ACCC is not a loan company.

Schedule Your Free Debt Consultation

Call us at 800-769-3571 or fill out the form below.

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Cary B Scott August 26, 2022 via Google

In Sept 2018 I had $99,782 in credit card debt. I contacted American Consumer Credit Counseling (ACCC) and entered into a consolidation program because they don't stop paying the debt to force a settlement. Instead they negotiated a lower interest rate with each of the creditors without hurting my credit rating. I worked a TON of overtime and denied myself many luxuries, such as vacations and...

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    What is a Debt Management Plan (DMP)?

    A debt management plan (DMP) is a type of repayment plan that's set up and managed by a non-profit credit counseling agency like ACCC. As part of our DMP, creditors may waive late and overlimit fees, lower interest rates, reduce monthly payments and bring passed due accounts current (also known as re-aging). With many DMPs, the goal is to have your debts fully repaid within three to five years, and in some cases sooner. Once you start the DMP, you'll make a single monthly payment to ACCC, we will then distribute the money to your creditors every month on time.

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    About American Consumer Credit Counseling (ACCC):

    American Consumer Credit Counseling is a nonprofit credit counseling agency that helps consumers take control of their financial lives through credit counseling, debt consolidation, and financial education. Since 1991, we have been improving lives and providing solutions to people in need of financial help.

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      A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. Use our compiled helpful resources, tips, and tools to help you understand and create a successful budget.

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