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

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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 advice

Need credit card debt advice?

When you’re looking for credit card debt advice, there is no shortage of debt reduction companies offering suggestions and a wide variety of strategies for eliminating credit card debt. However, the trick is knowing the difference between financially sound credit card debt advice and a scam to make money off an already financially strapped consumer. As you’re trying to sort out which piece of credit card debt advice is best for your personal financial situation, look to the professionals at American Consumer Credit Counseling (ACCC) to provide a helpful perspective. As a nonprofit organization it is our goal is not to make money from credit card debt advice, but rather to help consumers just like you find the best way out of debt.

Get free credit card debt advice from ACCC.

When you choose to get credit card debt advice or help with debt resolution from ACCC, you’ll work with our highly trained and certified counselors to develop a comprehensive outline of your financial situation. We’ll answer all your questions about the pros and cons of various kinds of credit card debt advice you may have received, from credit card debt settlement arrangements to consolidation loans to credit card balance transfers. Then we’ll help you select the piece of credit card debt advice that makes the most sense for your situation. There’s no charge for your credit counseling session, and our fees for debt management services are about as low as they come – that’s the benefit of seeking credit card debt advice from a nonprofit organization.

Debt management: the best credit card debt advice we can offer.

When our clients want to get rid of their personal credit card debt, the advice we give them most frequently is to enroll in a debt management plan. This involves consolidating your monthly payments into a single payment made each month to ACCC. We then take that money and make payments on your behalf to your creditors. That means you have just one payment to worry about each month, making it easy to stay current on accounts. And because we have a direct relationship with your creditors, we can ask them to lower your interest rates, reduce your finance charges, and remove over-limit and late fees. This way you’ll be able to lower credit card debt and pay off all your loans more quickly – typically within five years.

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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