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.


What Is A Credit Counseling Class?

Credit counseling can be a great way to get your finances back on track and pay off debts. Are you curious as to how it all works? First, financial education is a big component. Let’s outline the steps and answer the question, “What is a credit counseling class?”

American Consumer Credit Counseling helps people create a plan for their debt.

American Consumer Credit Counseling helps people create a plan for their debt.

What Happens During Credit Counseling?

Let’s walk through what financial counseling is like with ACCC to get started. Credit counseling is led by a certified credit counselor. It’s a time to review and analyze your finances. Next you and your counselor will develop a plan to achieve your financial goals and get out of debt. Here are some more details.

First, the credit counselor reviews your overall financial situation with you. Next, he or she will ask you about your income, expenses, assets, and liabilities. That way, they’ll have a good idea of what your best options might be moving forward.

Finally, the credit counselor will talk about all your possible options. These might be referrals to social services or working directly with your creditors. Your credit counselor may recommend some of ACCC’s services, such as:

  • Debt Management Program
  • Bankruptcy Counseling
  • Student Loan Counseling
  • Housing Counseling (Reverse Mortgage, Home Buyer Ed, Foreclosure Prevention)

Credit Counseling Class- What Are My Options?

Are you worried you have to take a credit counseling class to get through the process? While there is no mandatory classroom experience, you will receive information to boost your financial literacy through your counseling session, as well as the financial education materials provided on our website.

Most importantly, our sessions are conducted over the phone! No need to sit in a classroom. You won’t have to go to a class anywhere to participate in credit counseling. As with any credit counseling agency, make sure they are licensed in your state.

There are additional classes that may be offered through a credit counseling service, like ACCC. We offer bankruptcy courses as well as a homebuyer education course.

Bankruptcy Counseling & Class

The Pre-Bankruptcy Credit Counseling is an analysis of your current financial condition and information about alternatives to bankruptcy. Additionally, you receive help to develop a plan to respond to your current financial state without taking on more debt. As a result, the bankruptcy counseling session typically takes 60 to 90 minutes.

Prior to filing for bankruptcy, you must participate in this session. It must be done by a non-profit credit counseling agency, approved by the U.S. Trustee’s Office. Once you complete the counseling, you will receive a certificate that is valid for 6 months from the date listed at the top of your bankruptcy certificate.

The Post-Bankruptcy Debtor Education Course includes written information and instruction on budget development, money management, wise use of credit, and consumer information. The course is a minimum of two hours. Similarly, this course must be provided by an agency approved by the U.S. Trustee’s Office.

Homebuyer Education Course

Finally, ACCC has partnered with Framework to offer outstanding online homebuyer education courses. The course is user-friendly and provides the education necessary for certification. Also, the course is self-paced and can be done at your leisure. Buying a home is a big deal! Whether you’re doing it for the first time or getting back into the market, more education around the home buying process is always better.

Finally, while there is no single credit counseling class, there are a variety of educational experiences to help build up your financial knowledge and prowess.

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/what-is-a-credit-counseling-class
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=what-is-a-credit-counseling-class
Loaded Template: single.php