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.


Today Is Free Shipping Day!

Are you still on the hunt for gifts? Have no fear… Free shipping day is here! Over 1,000 online retailers will offer free shipping on purchases made today, with the guarantee that your order will arrive in time for Christmas. It’s also a great way to save money and avoid credit card debt.

Your debt payment progress won't get derailed with Free Shipping Day!

Your debt payment progress won’t get derailed with Free Shipping Day!

What is Free Shipping Day?

Free Shipping Day is still a relatively unknown annual occasion on December 18th. It’s a one-day, online shopping event when thousands of merchants offer free shipping, require no minimum purchase, and guarantee delivery by Christmas Eve.

Since Amazon Prime can’t cover everything on the Internet, you are bound to run into some shipping costs. That’s why Free Shipping Day is so great. You are able to save money (which is great if you’re working on debt management) and receive packages on time.

Some large retailers offer free shipping all the time, or have frequent coupons and deals to help you save money. However, Free Shipping Day can provide savings on shipping from smaller retailers.

This probably isn’t the best deal of the holiday season, but right now many shoppers are in a time crunch. If you are one of them, then this may be your last chance to place an order and save money.

Visit FreeShippingDay.com for a complete list of online retailers who are offering free shipping on December 18th, 2015.

Happy shopping and saving!

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/today-is-free-shipping-day
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=today-is-free-shipping-day
Loaded Template: single.php