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.


How to Grow Your Money Tree Video

Our debt counselors know that financial literacy doesn’t necessarily come naturally. There are many things to learn and relearn as we get older. If you want to make money work for you, it starts with a strong foundation. Learn how to grow your money tree in this new video from ACCC.

Follow ACCC's tips to grow your money tree.

Follow ACCC’s tips to grow your money tree.

Watch Now: How to Grow Your Money Tree Video

Growing your money tree means taking control of your finances and making good decisions now that will positively impact the future. Personal finance is really all about planning and discipline. Let’s break the plan down a little more into easy-to-follow steps. But first, watch the How to Grow Your Money Tree video!

Steps to Grow Your Money Tree

The first step is to “Dig in.” This means learning from your mistakes and changing course. You won’t get ahead if you continue to make the wrong choices. You also need to have an accurate account of your current finances. Here are the steps as you get started growing your money tree:

  • Organize your debts, accounts, and paperwork
  • Eliminate debt as quickly as possible
  • Change your buying habits
  • Don’t open any new lines of credit
  • Don’t repeat any past financial mistakes

The next step is “Growth.” As you move past debt and financial chaos, it’s now time to lay the groundwork for your day-to-day finances as well as the future.

  • Create and follow a budget
  • Track and reduce spending
  • Start a savings plan
  • Set SMART goals (Specific, Measurable, Achievable, Realistic, and Timely)

Finally, you will “Harvest” all your hard work and dedication. Now that you have met your retirement goals, saved some money for your kid’s education and are living debt-free, you need to keep your assets secure.

  • Protect your assets with insurance
  • Be mindful of identity theft
  • Have regular financial check-ups

Growing your money tree does take time and effort. However, your future self will thank you!

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/grow-money-tree-video
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=grow-money-tree-video
Loaded Template: single.php