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.


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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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Bankruptcy and credit card debt

The connection between bankruptcy and credit card debt is clear. Aside from medical bills and loss of a job, credit card debt is one of the biggest reasons people go into bankruptcy.

But bankruptcy is just one option for people having trouble paying down credit card debt. There are a variety of other approaches to eliminating credit card debt.

For helpful advice on bankruptcy and credit card debt, you’ll find a wealth of information at American Consumer Credit Counseling (ACCC), a nonprofit organization dedicated to helping consumers deal with bankruptcy, credit card debt and other unsecured personal debt.

An objective perspective on bankruptcy and credit card debt.

Many for-profit companies offering services around bankruptcy and credit card debt may not have your best financial interests in mind – they’re often more focused on turning a profit than helping you find your way out of debt. At ACCC, our nonprofit status means you’re our first priority.

Our highly trained and certified credit counselors are experts on bankruptcy and credit card debt. We’ll work with you to get a complete picture of your finances, and then discuss the pros and cons of all the options available to you, we’ll answer all your debt settlement and debt consolidation questions, and offer negotiating and debt consolidation advice and provide you with information on our bankruptcy and credit card debt management services. We’ll make sure you understand the impact of your choices regarding bankruptcy and credit card debt before you take any action.

Our bankruptcy and credit card debt services.

If you’re certain that bankruptcy is the way you need to deal with credit card debt, we provide bankruptcy counseling certificates mandated by the United State court system. We are approved by the Department of Justice to offer the pre-filing bankruptcy counseling session that the courts require, where we’ll provide the analysis that you and your legal counsel need to make well-informed decisions about bankruptcy and credit card debt. And we’re approved to provide the post-bankruptcy debtor education course that you’ll need to take to have your bankruptcy discharged.

We also offer a debt management plan that is a preferred alternative to bankruptcy for many people seeking to lower credit card debt. In a debt management plan, you’ll consolidate all of your monthly payments to creditors into one, easy payment to ACCC. We’ll take responsibility for paying your creditors on time each month, and we’ll negotiate with them for reductions in interest rates and finance charges, as well as over-limit fees and late fees. Most of our clients are able to eliminate their personal credit card debt within five years using a debt management plan.

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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