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 to Do With Free Money: Enter to Win a $25 Amazon Gift Card!

We’ve always meant to do a post on what to do with “free money,” but after searching the archives of Talking Cents Blog, I’ve realized that we’ve never touched on the topic.  Back when I did the Cash-Only Christmas Challenge, I talked about using sites like Ebates.com or the new-to-me TopCashBack.com to earn cash back when online shopping. I’ve noticed recently that some of my credit card companies are offering cash back on purchases made either online or in-person at certain retailers.  Perhaps you receive cash-back opportunities such as these, or have received gift cards from family members for your birthday or holidays, at work for a job well done, via online raffles, etc. and you are wondering what to do with that “free money.”

Enter American Consumer Credit Counseling's latest raffle!

Enter American Consumer Credit Counseling’s latest raffle!

We offer you a few suggestions:

  1. Receive cash back? Transfer that money to an online savings account, earmark for a rainy day fund, or perhaps contribute to your debt management efforts.
  2. Treat yourself to something of equal or lesser value than the amount of the “free money” – but do not spend over the amount of the “free money”. That defeats the purpose!
  3. Save that “free money” to purchase gifts or necessities during a time you know you might be financially strapped, such as back to school, the holidays, or a month where your pay may be less. Every little bit helps!

At Talking Cents blog, we want to provide you with the opportunity to treat yourself with a $25 gift card to Amazon.com. It’s your choice on how to spend it – remember, equal or lesser value equates it to “free money”. Or you can save it for when it might come in real handy! Enter to win by using the Rafflecopter widget below. We will be running this raffle from June 2 – June 30, announcing a winner just in time for the 4th of July!

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/what-to-do-with-free-money-enter-to-win-a-25-amazon-gift-card
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=what-to-do-with-free-money-enter-to-win-a-25-amazon-gift-card
Loaded Template: single.php