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.

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Debt Management Program

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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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Credit Card Debt

Eliminate credit card debt with ACCC.

Struggling to keep up with credit card debt? Looking for a way to pay off your cards more quickly? American Consumer Credit Counseling (ACCC) offers credit card debt solutions that can help. We’re a non-profit organization that provides credit counseling and credit card debt solutions for individuals and families throughout the U.S. Since 1991 we’ve helped tens of thousands of people just like you improve their credit scores, eliminate credit card debt and learn how to live life debt free. Our certified credit counselors can help you take stock of your financial situation and choose the best option for paying off your credit card debt. Contact us today to schedule a free consultation and learn more about the options available to you.

How ACCC can help you pay off credit card debt.

From free credit counseling to affordable credit card relief programs, we offer a variety of ways to eliminate credit card debt. It begins with a free consultation where our professionally trained credit counselors will evaluate your entire financial situation. They’ll provide you with a detailed review of your income and expenses as well as your assets and debt, and they’ll review potential strategies for paying down your credit card debt.

One of the most effective ways to eliminate credit card debt is a debt management program. In this debt reduction strategy, you consolidate credit card payments as well as payments on other unsecured debt, making just one payment each month to ACCC. We then are responsible for making payments to your creditors. With just one payment per month to make on your credit card debt, you’ll find it much easier to manage your finances and stay current with payments. We’ll enter credit card negotiation with your creditors to possibly secure lower interest rates and to reduce or eliminate finance charges, late fees and over-limit charges. That means your monthly payment to us will likely be less than you were paying in total before.

The advantages of choosing ACCC to eliminate credit card debt.

Lower fees – as a nonprofit agency, we’re dedicated to keeping our fees as low as possible.

  • Savings – by helping you reduce your interest rates and finance charges, we help you save money and pay off your credit card debt more quickly.
  • Convenience – our credit counselors handle almost all the details for you, including payments to your creditors, so you can spend your time doing more of the things you love.
  • Education – we offer a wide variety of educational materials on our website to help you better understand how to manage your finances to avoid credit card debt.
See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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