If you’ve landed at our website due to an unsolicited phone call, you may be the victim of a scam. ACCC’s policy is never to contact you unless you have contacted us first. For more information on identifying phone scams, click here.


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


Pre-Bankruptcy Client

Post-Bankruptcy Client

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.


Credit card counseling service

Pay down debt with help from a credit card counseling service.

Carrying a lot of credit card debt can make life pretty difficult, but a credit card counseling service can help you figure out how to reduce or eliminate your balances most effectively.

When you have high balances on your credit cards, you’ll likely receive offers for credit card debt help from a lot of debt consolidation services and credit card counseling agencies. Choosing the right company is important – there are some less-than-honorable agencies out there who are more interested in profiting from your debt than helping you pay it off.

Looking for a reputable credit card counseling service that’s been in business for at least seven years and charges no minimum fees is a great place to start. And it helps if the company is a nonprofit – that way you’ll know the organization is looking out for your best interests.

As you consider which credit card counseling service to help you pay off your debts, take a look at the offerings from American Consumer Credit Counseling (ACCC), a national nonprofit organization dedicated to helping consumers just like you.

ACCC: a leading, non-profit credit card counseling service.

Since 1991, ACCC has provided credit counseling, bankruptcy counseling, debt consolidation counseling and other financial services to individuals and families throughout the country. As a nonprofit organization, we’re dedicated to helping people get control of their finances and plan for a future that is free of debt.

Our credit card counseling service includes a free credit counseling session with a highly trained and certified credit counselor. During this first conversation, we’ll help you get a clear picture of your finances and provide personalized options for ways to pay down your cards, based on your financial goals and your financial situation. Depending on your needs, we may recommend a Debt Management Program, one of the most effective ways of paying off your debts without taking on new loans.

Benefits of choosing ACCC as your credit card counseling service.

When you take advantage of the credit card counseling service at ACCC, you’ll be working with counselors who are experts at helping consumers develop strategies and find the best path out of debt. We can help you evaluate the pros and cons of debt management, debt settlement, legitimate debt consolidation and other methods for reducing debt.

You can interact with our counselors in whatever way is most convenient and comfortable for you – We provide nonprofit debt counseling via the phone, and in person. And you’ll save money with ACCC’s credit card counseling service. In addition to a free credit counseling session we offer low-cost debt management services with rates that are among the lowest in the industry.

Learn more about ACCC’s credit card counseling service.

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
Dev Tool:

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