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.


When To Use Credit Counseling

How are your finances? Have you been struggling or curious about getting some professional financial advice? You may be a candidate for credit counseling. This service is more than just talking about credit or debt. Find out when to use credit counseling for your personal finances.

If you're trying to pay off debt, credit counseling can be helpful.

If you’re trying to pay off debt, credit counseling can be helpful.

When Should I Use Credit Counseling?

First, let’s dig into what credit counseling actually is.

A credit counseling service is designed to help you identify and adopt strategies to reach your financial goals. The biggest of these goals is usually paying off credit card debt. Credit counselors assess your current financial situation. Next, they create a plan that works for you. Beyond just a plan, you will gain financial literacy skills so you will be better equipped to manage your finances in the future. Finally, they can help you with budgeting and savings goals.

As your financial knowledge and habits improve, so will your credit! Remember that changing behaviors is key to successfully improving your finances and reaching your goals.

Think through the following questions:

  • Do you want to start budgeting but don’t know where to start?
  • Do you have more debt than you can manage?
  • Is your credit score continually dropping?
  • Do you have any savings in the bank?
  • Are your student loans dominating your finances?
  • Have you thought about bankruptcy?
  • Have you checked your credit report recently?

A person can use credit counseling whether they are in debt or not. A non-profit agency, like ACCC, can help anyone create a budget and evaluate their finances. Additionally, if you are near bankruptcy, ACCC can help you either avoid it through a Debt Management Program (DMP), or enroll in bankruptcy counseling and walk you through every step.

How to Choose A Credit Counseling Agency

When choosing a credit counseling service, it’s important to look for an agency that is a non-profit and has been in business for at least seven years. Here are some other criteria that your debt relief agency should have:

  • Licensed in your state
  • Charge no minimum fees and are prepared to waive your fees if you simply cannot afford to pay them
  • All the counselors should be certified
  • Member of one of these organizations: the NFCC or AICCCA

If you are unsure if you need to use credit counseling, just go for it! At the least you make a phone call and see that your finances are on track. On the other hand, you could get a world of help to get rid of debt and more.

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