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.


5 Warning Signs of Financial Trouble

Financial trouble can sneak up quietly when you don’t know what to look for. Our debt counselors want to make sure you can recognize the telltale signs in order to avoid losing control of your finances. Here are 5 signs that you might be in financial trouble.

If paying off debt is one of your financial troubles, contact ACCC.

If paying off debt is one of your financial troubles, contact ACCC.

5 Signs of Financial Trouble

It’s not uncommon to stumble into financial trouble at some point. Seemingly little missteps can build up and spiral out of control over time. Instead of building wealth and savings, you are stuck trying to desperately get out of debt. By keeping a watchful eye on your finances, you can avoid financial trouble more easily.

Here are 5 signs that you may be falling off track:

  1. Paying your bills after the payment due date. Making late payments is costly and might suggest you have too many bills to keep track of, or simply don’t have enough cash flow to cover them at the right time.
  2. Missing your credit card or loan payments altogether. If you are struggling to make payments of any kind, it’s a sign that you are living beyond your means. Getting out of debt on your own will be challenging or impossible if you cannot move forward with payments.
  3. Relying on overtime to cover your debt related expenses. Overtime is great when you are able to save the extra income or use it towards getting out of debt. It’s not a good idea to rely on inconsistent income to cover fixed expenses.
  4. Borrowing from family members to make your monthly debt payments. Money and family don’t typically mix well. It’s great to get help if you have a good plan to pay it back, and the money isn’t for your fixed expenses every month. However, this may only be a short term solution to a lasting financial issue.
  5. Skipping one credit card bill to pay another. Another warning sign of financial trouble is using one credit card to pay another. You are just robbing Peter to pay Paul. Nothing is getting fixed this way and you end up with more credit card debt.

How to Get Out of Debt and Financial Trouble

If you are struggling to pay bills or ignoring them altogether, you are in some kind of financial trouble. Here are a few options you can choose from to help you get out of debt:


If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

View all author posts →


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: blog/5-warning-signs-financial-trouble
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=5-warning-signs-financial-trouble
Loaded Template: single.php