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.


Advantages of Credit Counseling

Facing a mountain of consumer debt is stressful and frightening. Many consumers turn a blind eye to their finances and hope that their problems will resolve themselves. Unfortunately, avoidance is not a realistic option, especially in the world of credit scores, interest rates, and bills that need to be paid. But despite the financial burden of credit card debt, the good news is that consumers don’t have to go at it alone. Credit counseling is a great option for those looking to take control of their finances. If you are considering seeking professional financial help, it’s helpful to know the advantages of credit counseling.

If you're in debt, here are the advantages of credit counseling.

If you’re in debt, here are the advantages of credit counseling.

Advantages of Credit Counseling

If you’re struggling with debt reduction, seeking assistance from a professional credit counseling agency can reduce your burden. While there are many advantages of credit counseling that you may be aware of, some of the perks are lesser known.

Here are some of the main advantages of credit counseling:

  • Professionally trained & certified credit counselors to help you evaluate your current financial situation.
  • A detailed review of your income, assets, and expenses.
  • Personalized options based on your goals, which may include social service referrals, educational materials, and a unique “get out of debt” plan.
  • Debt Management Plan (DMP) is the most popular debt relief option. If a DMP is your best option, your counselor will offer the complete program and details.
  • Financial literacy skills, tools, and resources at your disposal.
  • Help and support throughout your debt relief journey.
  • Additional financial resources in one place. American Consumer Credit Counseling also provides housing assistance, bankruptcy counseling, and student loan counseling.

Each individual’s needs vary, and thus so should each credit counseling session. The certified credit counselors at American Consumer Credit Counseling will supply consumers with the specific resources to improve their financial lives.

Standards for a Credit Counseling Agency

While there are many advantages of credit counseling, not every company has your best interest at heart. With this in mind, you should aim to protect your interests. Here are some factors to look for in a reputable credit counseling agency:

  • Non-profit organization
  • Have been in business for at least seven years
  • Licensed in your state
  • Charge no minimum fees and are prepared to waive your fees if you simply cannot afford to pay them
  • All the counselors should be certified
  • Member of one of these organizations: the NFCC or AICCCA

To learn more about credit counseling, managing debt, or other financial services, schedule a free credit counseling session with us today. 


Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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/advantages-of-credit-counseling
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=advantages-of-credit-counseling
Loaded Template: single.php