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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Debt Counseling In Different Situations

When you’re in a difficult spot, sometimes the best thing to do is get help from an expert. If debt relief is what’s been bothering you, an expert can help you find a way forward. Luckily, you can use debt counseling services in different situations. Today we will look at a few different cases.

Let's look at debt counseling in different situations.

Let’s look at debt counseling in different situations.

Debt Counseling In Different Situations

Debt counseling is a viable solution for consumers in a number of different scenarios. No matter your particular situation, the key is that you get your advice from a reputable organization such as ACCC.

Budgeting & Debt Consolidation

If you’re struggling with settling credit card debt, ACCC can provide you with a free credit counseling session. Your counselor will offer debt advice based on your income, assets and expenses. Your counseling session will include financial education and assistance in creating a realistic budget.

Additionally, if appropriate for your particular situation, you can move on to personal debt consolidation. ACCC works out an arrangement with your creditors to make just one payment each month to ACCC who then makes payments to creditors on your behalf. Your counselor will also work with creditors to reduce interest rates and minimize other penalties.


Do you want to file for bankruptcy? ACCC can help you with this type of counseling as well. ACCC is one of the debt management agencies approved by the U.S. Department of Justice to provide pre & post-bankruptcy counseling. This counseling is mandated by the current Bankruptcy Code for consumer seeking bankruptcy. Here is a breakdown of pre & post-bankruptcy counseling:

  • Pre-bankruptcy counseling is a 60 to 90-minute session where your counselor will help you assess your current financial situation and provide information about alternatives to bankruptcy.
  • You need to complete a post-bankruptcy counseling session before the final discharge of your debts. This session focuses on budget development, money management, and wise use of credit.

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


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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