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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Toll-Free: 800-769-3571
Local: 617-559-5700
Fax: 617-244-1116
General Email:
(To reach a specific department, please see the appropriate department contact information below)

Counseling Center: Ext. 1910
Client Service Department: Ext. 1912
Bankruptcy Department: Ext. 1916
Disbursement Department: Ext. 1912
Education Department: Ext. 1980
Housing Department: Ext. 1918
Recounseling Department: Ext. 1923
Student Loan Department: Ext. 1924

Mailing Address:
American Consumer Credit Counseling
130 Rumford Ave., Suite 202
Auburndale, MA 02466-1317

Counseling Center Hours:
Monday – Thursday 9:00 AM – 11:30 PM
Friday 9:00 AM – 8:00 PM
Saturday 10:00 AM – 6:00 PM

Bankruptcy Department Hours:
Monday-Friday 9:30 AM – 5:30 PM EST

Client Services Department Hours:
Monday – Thursday from 9:00 AM – 8:00 PM
Friday from 9:00 AM – 6:00 PM

Disbursements/Payment Department Hours:
Monday – Thursday from 9:00 AM – 5:00 PM
Friday from 9:00 AM – 4:00 PM

Housing Counseling Hours:
Monday – Thursday 9:00 AM – 5:00 PM
Friday – 9:00 AM – 4:00 PM

Student Loan Department Hours:
Monday – Thursday 9:00 AM – 10:00 PM
Friday – 9:00 AM – 5:00 PM

If you have an impairment, disability, language barrier, or otherwise require an alternative means of accessing information about ACCC’s services, please advise your counselor or ACCC staff about arranging alternative accommodations.


  • "I was so pleased to find it easy to talk to my counselor about my debt problem. He was very helpful in helping me find a budget I could work with and thanks to him, I was able to reduce my interest rate so I could pay off my debt."
  • "ACCC provided me with this plan of how to get out of debt, and also taught me how to stay out of debt. If I have any questions, [ACCC's] staff is always there to give me the answers. ACCC's Debt Management Program helped me so much."
  • "Thank you for helping me stay out of collections and make progress toward paying off my debt. Everyone I spoke with was very helpful and made the process simple. They explained and re-explained when I needed it. I have recommended ACCC as a resource to people I know."
  • "Thank you to you and your team for helping me get out of debt. I felt like I was drowning in debt and after speaking to your representatives, I was relieved and felt like a weight was lifted. They made it simple and treated me with respect and have always been super friendly. I am grateful for your service!"

Additional Resources

  • resources-budgeting

    Budgeting Tips and Tricks

    A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. Use our compiled helpful resources, tips, and tools to help you understand and create a successful budget.

  • resources-credit

    Understanding Credit

    Credit is a convenient way to pay for things, but knowing how to manage and maintain good credit can be very challenging. Check out our find informative articles that will help you learn all about maintaining good credit.

  • resources-calculator

    Calculators to help manage your money

    Use ACCC’s financial calculators to help you better track and budget your income and expenses to help you better manage your money.

  • resources-retirement

    How to prepare for retirement

    In your golden years? It’s important that you are knowledgeable about your financial situation so you are prepared to lead a financially healthy life. Get our checklist to help you with your preparations.

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