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.


Debt Management Plan Basics With ACCC

Let’s learn the debt management plan basics with ACCC! ACCC’s debt management counseling services offer many benefits that not all agencies provide in a debt management program.

All about the debt management plan basics.

All about the debt management plan basics.

Debt Management Plan Basics with ACCC

There are a number of benefits to Using ACCC as your debt management partner! Here are a few.

  1. One convenient monthly payment – ACCC works with you to combine all your creditor payments into one monthly payment. Once you submit your payment to ACCC, we submit your payment to the different creditors on your behalf.
  2. 24-hour member-only access – The client exclusive members-only portal gives you access 24 hours a day so that you can monitor your progress.
  3. Lower Payments – We work with your creditors to lower your monthly payments and to reduce your interest charges.
  4. Get out of debt faster – With the debt management help, we thrive to pay off your creditors within 60 months. However, remember it depends on factors such as the total amount of your debt, your specific creditors, and whether you can send additional funds as you become more financially stable.
  5. Continuous financial education -ACCC is a strong advocate of financial education. Along with paying off your creditors, we will provide continuing education through monthly newsletters, financial peace of mind education program. Furthermore, we provide ample resources via our consumer credit website to help guide you in all aspects of personal money management and help you improve your financial literacy.

Debt Management Plan Basics – A Must-Do List!

Once enrolled in a debt management program, your job doesn’t end just because a credit counseling agency has agreed to pay your bills on your behalf. Therefore, you need to be aware of what is happening with your accounts.  You also want to make sure that the agency fulfills its promises to you. In any debt management program, it is important to:

  • Always be sure you make regular and timely payments to the agency.
  • Contact the agency for any contact information changes.;
  • Continue to monitor your monthly statements each and every month for accuracy. If you notice any discrepancies, you should notify the agency immediately.
  • When unable to make a scheduled payment, contact the agency immediately to discuss options.
  • If you find that the agency has neglected to make your payments to your creditors, contact the agency immediately.

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!

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/debt-management-plan-basics-with-accc
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=debt-management-plan-basics-with-accc
Loaded Template: single.php