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 in the Yankee Swap

A Yankee swap is possibly the easiest way to exchange gifts during the holidays. It doesn’t require much thought, the budget is set, and generic gifts will do. But there’s an often frowned-upon practice that penetrates most swaps… the regift.

The money saved from regifting can go towards paying off your debts.

The money saved from regifting can go towards paying off your debts.

Personally, I think the typical Yankee swap is pretty dull.  What do you get? Candles, ornaments, a throw blanket, a picture frame… Awesome. Yankee swap gift ideas tend to be on the safe side, which is fine… I guess. You have to get something that just about anyone would want, but it’s not that much fun. In my experience, you should go into a swap fully prepared to walk away with something you don’t want. The problem with this is that there’s usually someone who took the time to pick out something really nice that most anyone would want, which is great! Then they get stuck with a bag of Hershey Kisses in a coffee mug from the work party, or an “adult” board game from someone’s wacky Aunt Claire that was regifted. Is it fair? No. But the swap is not built to be fair. It’s a crap shoot.

It happens. You get a gift that you just don’t want, so you pass it along when you get the chance. It’s a regift, which comes in handy if you’re paying off debt and can’t buy gifts. Hopefully, unbeknownst to the person who gave it to you. Could be a classic fruit cake, could be a leopard-print snuggie. Either way, you’re regifting that sucker. But what’s the big deal? There seems to be a stigma placed upon people who regift. They’re “cheap” or “thoughtless” or “crazy cat ladies.” It doesn’t have to be this way.

My friends and I have a Yankee swap every year and, for these reasons, it has become a requirement that every gift this year must be used or a regift.  It’s going to happen anyway, so why not embrace it. To be fair, my circle of friends usually takes this opportunity to make the most inappropriate low-brow jokes of the year, so no one really cares all that much about what they end up with. It’s more about the experience, spending some time together, and having some laughs. Isn’t that what it’s all about?

I could see this working in most circles. After all, one man’s trash is another man’s treasure. Wouldn’t you rather see the gift go to someone who could use it, instead of having it sit in a closet? Let’s just be open about our regifting.

What do our readers think about this? Agree? Disagree? Have some Yankee swap or regifting horror stories? Let’s hear it.

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


Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

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-in-the-yankee-swap
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=regifting-in-the-yankee-swap
Loaded Template: single.php