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.


Beach Trips on a Budget

For the upcoming Fourth of July weekend, you may be planning a beach trip or a trip to the local lake or river to stay cool. As one of the busiest days for shorelines and beaches, the Fourth of July is also a day where many business owners jack up the prices on things like parking and food. Here are a few ways to enjoy the beach when you’re on a budget and trying to avoid drowning in debt.

Avoid credit card debt with these beach day ideas.

Avoid credit card debt with these beach day ideas.

Parking can be incredibly expensive – some beaches will charge up to $50 just to park! To avoid the high costs, stick to state-owned beaches and use your residency to your advantage, as state beaches tend to cost much less than private beaches. If you are out of town or your state doesn’t offer beachfront sites, be sure to arrive early in the morning. Many parking lots increase prices as the day goes on, but the cheaper parking deals are to be found around 8 am.

Bring your own food. Beachside food stands and restaurants are notorious for their high prices. This could easily add onto credit card debt. If you pack a picnic lunch, it’ll be healthier and significantly cheaper. If you are on vacation and away from home, you can still stop at a local grocery store on the way to the beach and pick up bread and cold cuts for sandwiches. Just be sure to clean up after and dispose properly of any garbage.

Use what you’ve got. Don’t buy new blankets and towels for laying on the beach. This is a great opportunity to use old sheets and towels that are a bit worn or have holes. If they get too gross after use at the beach, you can toss them.

Hydrate with water. A couple of gallons of water will be valuable on any beach trip. In addition to keeping you hydrated and refreshed, it’s useful to rinse your hands after eating and to rinse the sand off of your feet before getting into the car. You can purchase it at the beach, but the markup will be significant.

Stick to old-fashioned entertainment. Read a book, toss a Frisbee, or build a sand castle. You don’t need to rent jet skis or take surfing lessons to have fun. If you want to boogie board or body surf, pick those up for a few bucks at a bargain store before heading to the beach. You’ll be able to buy them at beachside shops, but they’ll cost a lot more.

Don’t forget sunscreen. Apply and reapply often. Think of this as more of an investment in the future. The less you burn, the less money you have to spend on aloe, as well as any future skin damage control products. Your skin will thank you in a few years!

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


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/beach-trips-on-a-budget
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=beach-trips-on-a-budget
Loaded Template: single.php