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


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.


How Do I Get out of Debt?

For many people, debt may seem like a crushing weight. The more behind they get on their payments, the deeper into debt they fall. For thousands of individuals and families, getting out of debt and living a debt-free life may seem like an impossible dream.

For anyone who’s ever wondered “how do I get out of debt?”, American Consumer Credit Counseling’s (ACCC) debt management program can help you get out of debt in most cases within five years. Through budgeting, counseling, education and debt relief consolidation, our professional credit counselors can not only give you answers to the question “how do I get out of debt?”, but can help you put together a plan to manage money more effectively and lead a life free of debt and the stress that accompanies it.

How do I get out of debt with ACCC?

As a non-profit organization and a leading provider of credit counseling and debt management services, ACCC has helped tens of thousands of families and individuals eliminate and reduce credit card debt. Here’s how we do it:

  • Debt consolidation. By consolidating credit cards and other unsecured debts into a single monthly payment, we can help you manage your debt more easily, eliminating the stress of owing money to multiple creditors. You make one easy payment to us, and we disperse money to all of your creditors.
  • Reducing your payments. Our expert financial counselors work with your creditors for a possible reduction in interest rates, late fees, finance charges and over-limit fees on credit card debt while also reducing the amount of time creditors will allow for repaying your debt. And because we’re a nonprofit organization, our services are affordable for nearly everyone.

How do I make a plan to get out of debt?

In addition to debt consolidation, our debt management counselors can help you put together a budget to manage your finances more effectively. We also provide access to a rich collection of educational resources to help you learn more about managing money, getting out of debt and planning for a strong financial future. For anyone asking the question “how do I get out of debt and stay out of debt?”, our educational services provide an excellent resource.

How do I get started?

If you’ve been wondering “how do I get out of debt?”, the answer is as easy as making a phone call. To start your debt management plan with ACCC, or to get more information, just call 1-800-769–3571, or click here to get started online.

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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: How-do-I-get-out-of-debt
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=How-do-I-get-out-of-debt&page=
Loaded Template: single-resource-pages.php