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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Credit Counseling for Seniors With Debt

The goal is to head into retirement debt free. However, life happens and disrupts this. That’s why credit counseling for seniors is available when they have consumer debt.

ACCC provides credit counseling for seniors.

ACCC provides credit counseling for seniors.

Benefits of Credit Counseling for Seniors

Debt can happen to anyone at any age. Seniors face a bigger burden since their working years are more limited or already past. Credit counseling for seniors can help create a plan to eliminate debt. Additionally, anyone receiving quality credit counseling is educated and their financial literacy boosted. Finally, they walk away with a plan and goals to head into the future. If you know a senior struggling to manage their finances, counseling may be a great step for them to take.

Credit Counseling for Seniors in 3 Steps

Let’s say you need to help your parents go through credit counseling. First, help them find an agency, like ACCC. When choosing a credit counseling service, it’s important to look for a credit counseling agency that is non-profit and has been in business for at least seven years. Here are some other criteria that your debt relief agency should have:

  • 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.

Next, you will go through a counseling session to determine where money is being spent. During the session, the debt counselor will organize and calculate each expense, interest rate, and other costs. Check out the infographic below to review the recommended community spending guidelines.

credit counseling agencies accc advice

Finally, a recommendation will be made to your parents to enter a debt management plan, bankruptcy or simply follow a revised budget to deal with the debt.

No matter the age, a person’s finances can become derailed by debt. Credit counseling for seniors is a great way to help them get back on track.

If you know a senior struggling to manage their finances, have them schedule a free credit counseling session with ACCC 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.

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