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


Pre-Bankruptcy Client

Post-Bankruptcy Client

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.


The Financial Wisdom Behind the KonMari Method

Over the past few months, you’ve probably become familiar with Japanese tidying expert extraordinaire Marie Kondo. Kondo has helped lots of families organize their homes on her Netflix show, ‘Tidying Up With Marie Kondo.’ Her signature decluttering technique is called the “KonMari Method.” This involves going through household items and asking if it “sparks joy.” If the answer is no, then the item gets discarded. It’s as simple as it sounds, but it is often easier said than done, especially when you’re used to a materialistic lifestyle. The technique aims to surround you with only the things that make you happy so you can live in a more positive environment. The KonMari method can teach us valuable financial lessons as well:

konmari method

Use your losses for gains

While getting rid of clutter is a huge part of KonMari, it doesn’t end there. After you’ve cleared up your junk, you can then decide what to do with everything. But instead of just chucking them in the trash, consider selling them again to make more money. If you’re looking for a place to start, The Balance lifestyle writer Leslie Truex recommends websites like eBay, ThreadUp, Decluttr, and more. As the old adage goes: one man’s trash is another man’s treasure. 

Don’t be afraid to seek help

It’s common to feel overwhelmed in dealing with your finances. This is especially true if you lack financial literacy. The KonMari method is all about seeking a new approach to how you live. For personal finance, that new approach could be using a financial expert’s recommended strategy. Just like more people are turning to Marie Kondo for help, millions of Americans are also turning to financial planners to help them safeguard their future. In fact, Maryville University states that the demand for financial planners is expected to increase by 30% in the near future.

While it may seem like a costly investment short-term, seeking financial assistance will have many long-term benefits. Financial planners will be able to guide you through a completely new way of thinking about your finances, much in the same way that Marie Kondo does with cleaning other people’s homes.

Spend money on what you value – what sparks joy?

Some people believe that buying physical objects makes them happier than spending on experiences since physical things last longer. However, researchers from San Francisco State University reveal that the happiness objects cause is far more fleeting. The KonMari principle teaches us to focus on things that provide something memorable. So if you’ve got a special occasion coming up, why not take those clothes shopping money and use it to go to your dream concert instead? Unlike a shiny toy, it won’t gather dust on your shelf eventually. 

The bottom line is: don’t buy things that you don’t need. KonMari isn’t just a method – it’s a lifestyle. This simple shift in mindset can influence your daily habits, change the way you live your life, and determine how you spend your money in the future. Just remember that if whatever you’re planning on buying doesn’t “spark joy” – don’t get it.

Article contributed by Violet Jones.

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


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/the-financial-wisdom-behind-the-konmari-method
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=the-financial-wisdom-behind-the-konmari-method
Loaded Template: single.php