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 Look For in a Debt Counselor

Credit management is central to everyone’s lives – and if you’re like most people, figuring out debt is part of it. Whether it’s student debt, tax debt, or other types of debt, it’s challenging to deal with. But you don’t have to go through this hard time alone. Paying off debt is easier with an experienced, qualified debt counselor. If you’ve never worked with one before, you might be wondering what to look for in a debt counselor? During an already-stressful time, you need accurate answers  – and we’ve got them right here.

what to look for in a debt counselor

What should you look for in a debt counselor?

The Right Debt Counselor Tailors a Plan For You

Look for a debt counselor who will give you personalized financial advice. He or she will develop a complete budget analysis of your current financial situation. Besides providing debt management counseling. counselors also lay out and explain all your options (i.e., consolidation, debt settlement), as well as the pros and cons of each one. That way, you can decide the best option for you. They also try to reduce your interest rates and other fees to allow you to pay off your debt more quickly. Furthermore, a good debt counselor helps you create a budget and learn how to avoid debt in the future.

The Right Debt Counselor Answers Any and All Questions You Have

A good debt counselor won’t be judgmental of either you or your situation. Personal finances aren’t always so straight-forward, and curveballs happen. Debt counselors are here to answer all of your questions and to help you feel less overwhelmed. Fees are a particular question that debt counselors should be able to answer. They must be able to give you a specific price quote upfront – if not, that’s a bad sign. Asking other educated questions will give you a better idea of their intentions, and you’ll be able to fully judge whether they have your best interests in heart or not.

Another thing to note: the right debt counselors must be from reputable credit counseling services. When you’re in the red, any option that happens to pop up might look good at first. But be thorough about your research. For example, is this a non profit credit counseling agency that’s accredited by the International Standards Organization (ISO), or by the Council on Accreditation (COA)? Will this agency be willing to waive their fees if you just can’t afford them? You should also check the Better Business Bureau to see if there’s been any consumer complaints. Agencies who ask for a “voluntary contribution” (there’s no such thing!) should be avoided, as well as for-profit companies. Some scams promise to magically repair your credit for high fees. Finally, a reputable agency’s website should also have free educational materials and resources. Nonprofits are dedicated to educating the public and providing continuous support.

Now that you know what to look for in a debt counselor, you’re ready to take the first step to overcome your debt. Best of luck to you!

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


Rae Yen is a marketing coordinator at ACCC. She wants to help others optimize their financial resources and plan accordingly.

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