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.


Regifting: A Lesson from Seinfeld

Regifting is a great way to save money and declutter your own living space. It’s also budget-friendly and a sustainable way to celebrate the holiday season. Regifting is also helpful if you’re paying off debt and can’t spend money on new gifts. If you are not going to use an item, why not gift it to someone who will? In celebration of National Regifting Day (12/19/2014), let’s explore some of the best regifting tactics and how to avoid a Seinfeld regifting disaster.

Follow ACCC's regifting tips for success.

Follow ACCC’s regifting tips for success!

Seinfeld Regifting Debacle

In this classic Seinfeld episode, regifting goes horribly wrong. This is what happens when you don’t follow the rules.

Regifting Trends

In the past, regifting was seen as tacky, careless and shameful. However, a national survey conducted by Bookoo.com found that today, 92 percent of people find regifting completely acceptable. Not having to buy a new gift also helps you stick to your holiday budget. The 2012 Holiday Regifting Survey also found that 87 percent believe that they have received a regifted item and that 62 percent plan to regift an item this holiday season. Let’s take a look at how you can successfully regift an item.

Rules of Regifting

  • Think it Through. Only regift an item if you feel that the person you are giving it to will truly enjoy and use it. Do not simply regift because you have the item laying around. Remember, it’s the thought that counts.
  • Keep Track of Origin and Destination. Do not regift within the same social circles. For example, if your grandmother gave you a scarf you do not need, do not give it your cousin at a family gathering your grandmother will be attending.
  • Rewrap the Gift. When you rewrap a gift, you can eliminate any  chance of a personalized card or tag attached to the gift.
  • Check the Condition. Only regift an item if it is brand new and in excellent condition. Chips, stains, missing pieces are definite no-no’s.
  • No Personalized Gifts. If it has your name, initials or maybe even your likeness, it’s yours forever!

Regifting Classics

  • Bottles of Wine
  • Champagne
  • Chocolates
  • Gift Cards
  • Home Decor
  • Small Appliances or Gadgets

Regifting should be as thoughtful as regular gifting and help you stay on budget. Before regifting this holiday season, consider the recipient and what you are giving. If you can’t find a good match for your unwanted item, consider donating it to charity. Save money, time and resources by thoughtfully regifting this holiday season.

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/regifting-a-lesson-from-seinfeld
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=regifting-a-lesson-from-seinfeld
Loaded Template: single.php