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 and bankruptcy

The correlation between credit card debt and bankruptcy is known by many. Credit card debt is one of the leading reasons people choose to file for bankruptcy, third to job loss and medical bills.

But bankruptcy isn’t necessarily the best option for consumers interested in lowering credit card debt. It may take years before you can get a mortgage or a car loan again. And depending on the kind of bankruptcy you choose, you may still need to pay back most or all of your credit card debt.

Before you do anything about credit card debt bankruptcy, make sure to get information about all of your options and the impact each will have on your life. For helpful bankruptcy and credit card debt advice, you can trust the certified professionals at American Consumer Credit Counseling (ACCC).

Get expert advice on credit card debt and bankruptcy.

ACCC is a nonprofit organization devoted to helping consumers pay off of debt and avoid debt in the future. Our services include free credit counseling and financial education, and low-cost debt management programs. Our highly trained and certified credit counselors can provide a wealth of information about credit card debt and bankruptcy, and help you explore all the options available to you. They’ll provide the pros and cons of debt consolidation vs chapter 13 bankruptcy, help you determine whether a credit card debt settlement arrangement is right for you, and help you choose the best plan for dealing with credit card debt and bankruptcy.

Credit card debt and bankruptcy services at ACCC.

For consumers dealing with credit card debt, we offer a debt management plan as an alternative to bankruptcy. In a debt management plan, you’ll meet with our credit counselors to evaluate your finances and make a budget you can live with. Then you’ll consolidate all your payments to creditors into a single payment to us, and we’ll begin to pay your creditors for you. With just one payment to make each month, you’ll have an easier time keeping up with your obligations. And as we are in contact with your creditors, we can seek reductions in finance charges, interest rates, over-limit fees and late fees in order to reduce the amount you owe. Most people who enroll in a debt management plan to pay off a credit card debt and avoid bankruptcy are able to retire their debt within five years.

If you’ve decided bankruptcy is the best way to manage your credit card debt and other unsecured debt, we have been approved by the Department of Justice to provide the pre-filing bankruptcy counseling session mandated by the court, as well as the post-bankruptcy debtor education course that you’ll need to enroll in to have your bankruptcy discharged.

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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