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.


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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.

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When Is Credit Counseling a Good Idea?

Are your curious about your finances and how you could do more? Maybe you need to get your debts and bills in order and have heard about credit counseling? But when is credit counseling a good idea? Credit counseling is all about education, analysis and creating a plan. Learn more about the benefits of credit counseling.

If you're looking for guidance about your debt, credit counseling is a good idea.

If you’re looking for guidance about your debt, credit counseling is a good idea.

What Is Credit Counseling?

Credit counseling is a financial service designed to educate consumers. You will learn how to pay off your debts and how to avoid debt in the future. You will also receive an overall financial analysis. Credit counseling helps consumers who are struggling with debt to better control their financial lives.

During a credit counseling session, each expense, interest rate, and other costs are organized and calculated. You will learn how much you earn and spend in a month. Plus, you find out how much you spend in a specific budget category. For instance, you may spend 50% of your budget on housing related costs rather than the recommended financial community guideline of 30%. Similarly, you may learn how much debt you are truly carrying. Some simply need help tweaking their budget to achieve their financial goals.

When Is Credit Counseling a Good Idea?

Are you having trouble managing your debts? Not sure how to budget? Do you want to learn how to improve your credit score? All these questions and more can be answered during credit counseling. The counseling sessions are there to help you achieve your goals and answer your questions. Whether you are in hot financial water or just want to see if you have things balanced, a credit counseling session could be very useful.

A non-profit credit counseling agency, like ACCC, will review all the outcomes and ways forward. Between debt management plans, bankruptcy, student loan management or simple budgeting adjustments, you can be more financially literate and prepared to move forward.

Credit consulting services can be helpful to nearly everyone if you need financial clarity and direction. Certified credit counselors will walk you through your current finances and make recommendations.

To learn more about your finances and money management, 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.

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