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

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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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Approved Credit Counseling Agencies

What are Approved Credit Counseling Agencies?

Approved credit counseling agencies offer services that have been evaluated by specific governmental agencies or organizations and accepted as meeting their standards and requirements. Examples of these services from American Consumer Credit Counseling (ACCC) include housing counseling and consumer bankruptcy counseling.

Services from Approved Credit Counseling Agencies

If you’re looking for advice on housing matters, ACCC’s highly skilled credit advisors can answer your questions. We also have many guides on our website to assist you through the home buying process and beyond. ACCC is also one of the U.S. Department of Housing and Urban Development’s approved credit counseling agencies in the following housing related services:

  • Reverse mortgage counseling (nationwide)
  • Foreclosure counseling (for Massachusetts residents only)

For those who are considering filing for bankruptcy or have filed, ACCC provides approved credit counseling services. Our pre-bankruptcy credit counseling and post-bankruptcy debtor education courses are approved by the U.S. Trustee Program of the Department of Justice.

During our pre-bankruptcy credit counseling session, your counselor evaluates your personal financial situation and its causes and discusses alternatives to bankruptcy. Please note that approved credit counseling agencies simply explain the different options available for debt resolution, including bankruptcy, during these sessions. During the pre-bankruptcy counseling we do not give credit counseling advice.

Our post-bankruptcy credit counseling consists of a debtor education course that covers budget development, money management, using credit wisely, and additional resources that help you control spending and maintain a debt-free lifestyle.

Approved Credit Counseling Agencies Can Answer Your Money Management Questions

Approved credit counseling agencies like ACCC can assist you with a wide range of money management topics. ACCC has many free educational resources in addition to our consumer credit solutions that can help you with buying a home, funding a college education, budgeting, and teaching your children about credit. There is also information and resources tailored toward military personnel and veterans.

If you need help with lowering interest rates and monthly payments on your unsecured credit accounts, call us today for more details about ways to consolidate debts.

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

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