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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Personal Debt Consolidation With ACCC

Managing multiple creditors when working on debt management is stressful. Staying organized with paperwork, deadlines, due dates each month is a lot of work. This is where a personal debt consolidation program with American Consumer Credit Counseling can help you! Managing debt with a debt consolidation program offered by organizations such as ACCC can help you get out of debt within 60 months. The certified credit counselors in ACCC are here to take you through a structured debt repayment plan that potentially reduces your overall amount debt and interest rates.

Our credit counselors are here to help you with debt management.

Our credit counselors are here to help you with debt management.

How ACCC’s Personal Debt Consolidation Program Work

How does debt consolidation work with ACCC? First, a certified counselor from ACCC will assess your current debts and bills. This helps create a manageable budget for you. Once you establish a budget, and if you are a viable candidate, your counselor will provide you with debt consolidation information. If you do go ahead with the personal debt consolidation program, also known as a debt management program, ACCC will work out a plan with your creditors. In the program, you will make one monthly payment to ACCC and we pay each of your creditors on your behalf.

Benefits of a Personal Debt Consolidation Program

  • Under the personal debt consolidation plan, your monthly financial obligations will be greatly simplified. This will make it easier for you to budget and stay on top of your payments.
  • In many cases, creditors participating in the ACCC debt consolidation program will agree to lower interest rates and to waive existing late fees and over-limit fees. This can have the effect of lowering your monthly payments and reducing the time it takes you to become debt-free.
  • In combination with the debt consolidation program, we offer expert debt advice and educational resources.  This will help you stay on the path to a debt-free future.
  • Compared to most debt relief companies, ACCC has very low fees.

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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