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


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.


Debt Snowball Guide To Eliminating Debt

Our debt counselors say that the Debt Snowball method can be a great choice for eliminating debt. This strategy quickly knocks off smaller debts one by one. You can feel the victories as you make progress through your debt! Let’s learn how to use the Debt Snowball to get your finances back on track.

debt snowball

Debt management can be done with either the snowball method or the avalanche method.

Debt Snowball How-To Guide

First, let’s imagine you are trying to make a snowman. You start with a small snowball. As you keep rolling in around in the snow, it gets bigger and bigger. This might describe the way you got into debt in the first place. However, it now describes how you will be getting out of debt!

The Debt Snowball is all about forward momentum and small victories when eliminating credit card debt and more. Starting with the smallest balance and moving up, the Debt Snowball quickly knocks off smaller debts one by one. It requires you to pay minimums on all your accounts except the one with the smallest balance. Pay this off as quickly as you can. Once it’s finished, use the money toward the next smallest debt and so forth. Taking steps like negotiating your debt can help lower the amount further to help get you started.


Debt Snowball Tools for Success

Use your budget to determine how much extra you can pay towards the target debt. Really take time to evaluate your spending and priorities. Consider gym memberships, subscriptions or other luxury categories for elimination or reduction. You can always start them again once you have eliminated the credit card debt.

Additionally, using a debt payoff calculator can be a very helpful tool. Knowing the impact of an extra $50 a month or more can be very motivating.

Let’s say you have $5,000 in credit card debt on a card with an 18% interest rate. By only making minimum payments, it will take 32 more payments or 2.7 years to pay off the remaining balance. Interest will amount to $1,314.

The Debt Snowball can help you eliminate debts so you will have a large payment available for this type of debt. The larger the payment, the quicker your debt goes away. Plus, you will owe less interest. Remember to avoid adding more consumer debt as you go through this process!

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

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-snowball-guide-to-eliminating-debt
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=debt-snowball-guide-to-eliminating-debt
Loaded Template: single.php