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.


Finances Are Spiraling Down – What To Do Next!

Most people will experience some type of financial hardship in their lifetime. Sometimes it feels as though your finances are spiraling down and there’s nothing you can do. Credit card payoff and other consumer debt can put a major strain on your finances. Here are some tips on how you can manage your finances if they’re on a downward spiral:

If your finances are spiraling down, ACCC has some tips.

If your finances are spiraling down, ACCC has some tips.

What To Do If Your Finances Are Spiraling Down

Get Organized

First things first. Get financially organized to avoid the effects of your finances spiraling down. Start with your budget. Look at your expenses and your income closely. Are there areas where you can cut back? Mark your calendars and schedule your credit card payments and other bill payments to avoid late fees and interest payments. Taking care of credit card debt is a major part of organizing your finances.

Live Within Means

Knowing what you make can be the basis to your limits. If you think your finances are spiraling down, start with pressing pause on using your credit cards. Living on a cash basis can be the first step to recovery. The heightened sense of awareness of your money helps you spend less and get through debt management faster.

Plan for the Future

Focusing on your retirement and your emergency fund is a crucial part of the process. Setting aside money for thee funds must be a part of your overall money management plan. It may seem counter-intuitive to save for the future if you are struggling right now. However, if you don’t prepare financially for the future, you’ll be struggling later too.

Focus on Your Credit

Once it seems like your finances are getting back on track, slowly start working on credit. Make small charges on your credit cards and pay them off in full every month. Check on your credit report regularly to see what you can do to improve.

If you’re struggling to pay off debt, ACCC can help. Sign up for 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/finances-are-spiraling-down-what-to-do-next
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=finances-are-spiraling-down-what-to-do-next
Loaded Template: single.php