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.


Consolidate Credit Card

Consolidate credit card payments with ACCC.

When you want to consolidate credit card debt to simplify payments and reduce interest rates, it’s important to think carefully through your options. Many credit card companies will make offers to consolidate credit card debt at low or no interest for a period of time. But these offers involve significant fees and after the offer has ended, the interest rates may be quite high. You may also receive offers from “credit card relief” companies to consolidate credit card debt by taking out a new loan. But these loans often have terms that are not very advantageous for you, and your credit score may suffer when you add a new loan to your existing credit card debt.

A debt management plan with American Consumer Credit Counseling (ACCC) is a better option. A debt management plan enables you to consolidate credit card payments without taking out a loan or transferring balances to another high-interest card. Instead we’ll consolidate all your payments from your credit card companies and other creditors into a single monthly payment, simplifying your finances and making it easier to keep up with your payments.

How ACCC can consolidate credit card payments and save you money.

When you work with our certified credit counselors, we’ll first evaluate your finances to get a clear sense of where you stand. Then we’ll help you craft a budget that will allow you to pay off your credit card debt more quickly while still covering your living expenses. Next we’ll consolidate all your credit card payments – you’ll make one easy monthly payment to ACCC and we’ll distribute funds to all of your creditors on your behalf. We’ll work with your credit card companies to possibly secure lower interest rates, eliminate late fees and over-limit charges, and shorten the amount of time for credit card payoff – all of which saves you money and helps you get out of debt faster.

Why consolidate credit card payments with ACCC?

When you work with our certified credit reduction professionals to consolidate your payments and pay off your cards, you will:

Save more money – our fees are among the lowest in the industry.

  • Eliminate credit card debt sooner – by securing lower interest rates, eliminating fees and making a plan for regular credit card reduction payments, you’ll be able pay off your cards and be debt-free sooner – within five years in most cases.
  • Enjoy greater convenience – our credit counselors make the process very easy, making payments on your behalf and handling all the communications with your creditors for you.
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

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: consolidate-credit-card
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=consolidate-credit-card&page=
Loaded Template: single-resource-pages.php