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 for us to call you.


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


Pre-Bankruptcy Client

Post-Bankruptcy Client

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.


Challenge: Cash-Only Christmas

holiday budget challenge logoIt’s been quite some time since I last wrote for the blog, but with the holidays approaching and our recently released challenge to consumers to commit to a cash-only challenge, I decided to do something I’ve never done before – create a budget for my shopping and holiday festivities.  You know what I realized? I should have started planning (and saving!) for this months ago, but I am committed to sharing my holiday spending journey and  challenging myself to give my credit cards relief this season.

My first step: Create a Budget 

First, I re-read Janice’s holiday spending challenge post from 2012 to get in the right mindset for creating my budget. I then downloaded our Holiday Budget Worksheet and divided my spending into three categories: Food, Gifts, and Miscellaneous. As you can see I made my own adjustments to this worksheet and even left myself with “wiggle room” under Miscellaneous for the chance that I go over in any category.  I am one who succeeds off of small victories and I believe that I over-budgeted for some gifts and scenarios. I am hoping that when this challenge is over I will come in under budget and it will encourage me to pay down my credit card debt in 2014.

Here’s how my budget breaks down:



Food for my Annual Holiday Party:

Drinks: $50.00
Food:  $100.00


Kids (not mine!): $200.00
Parents: $100.00
Friends: $230.00
Other: $120
Charitable Donations $45.00


Gift wrap/bags/supplies: $30.00
Decorations/ornaments: $30.00
Cards: $30.00
“Wiggle Room”: $15.00

Total Budget for Holidays 2013: $950.00
Percentage budgeted on Food: 15.7%
Percentage budgeted on Gifts:  73.2%
Percentage budgeted on Miscellaneous:  11.0%

That number was higher than I expected it to be, but once I got over my initial shock and thought about my spending from last year, it is likely in line or less than what I spent. My goals for this challenge are…

  1. Create a budget
  2. Spend cash only (I count debit card as cash and I will explain that in next week’s post on about my spending game plan)
  3. Come in under budget (I am shooting for only spending $800.00 or shaving 16% off my budget)

I hope you will follow me in my cash-only budget following journey this holiday season!

Have you created your holiday budget yet?

Would you like to join ACCC on our cash-only challenge and guest post about your journey? Contact us!


Dev Tool:

Request: blog/challenge-cash-only-christmas
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=challenge-cash-only-christmas
Loaded Template: single.php