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.


What Happens in a Debt Management Program?

There can be a lot of questions and confusion when it comes to debt management solutions. Will it ruin my credit? Will my debts be payed off for free? Do I have to take out a loan? Is this the same as debt consolidation? A lot of people may not fully understand how each debt repayment method works, or which would be the best solution for them. To help, here is some information and what happens in a debt management program.

ACCC's debt management program can help you pay off debt.

ACCC’s debt management program can help you pay off debt.

How Does a Debt Management Program Work?

Watch the video below for a basic rundown of how a DMP works.

I’m in a DMP. Now What?

  • Any credit card accounts that you include will be closed to avoid further debt.
  • The credit counseling agency will draw a lump sum from your bank account each month and make payments to your creditors on your behalf. Make sure you have the necessary funds in your account.
  • The amount of the payments will be agreed upon after your counseling session, and will typically be lower than before. This may be due to the creditors agreeing to accept a lower overall payment, lower interest rates, or eliminate fees.
  • Enrollment in a DMP will be noted on your credit report. This is a neutral notation that does not impact your score, but different lenders will each have their own interpretation of this information which could be negative or positive.
  • You will typically be charged a one-time enrollment fee, plus a monthly fee for the duration of the DMP. These can vary by agency and location.
  • You must still monitor your credit card statements each month to ensure payment.
  • In most cases, the debt is repaid within 5 years.

When choosing between different debt management solutions, it’s important to understand how each method works. While it may or may not be the best solution for you, hopefully, this video and information will help you better understand what happens in a debt management program.

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/what-happens-in-a-debt-management-program
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=what-happens-in-a-debt-management-program
Loaded Template: single.php