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.


Credit Card Debt Consolidation

Credit card debt consolidation can help consumers get out of debt.

In the aftermath of the recent financial crisis, many consumers and families have found themselves carrying a great deal of credit card debt – and not knowing how to pay it off. If you find yourself in this predicament, credit card debt consolidation can help. As one of a number of debt solutions that can help people struggling with the problem of owing too much money, credit card debt consolidation combines all amounts owed on credit cards and department store cards as well as other credit lines into a single debt, enabling the consumer to make a single monthly payment. In the process, it is often possible to lower interest rates and reduce fees and penalties to make the debt more manageable.

If you’re interested in credit card debt consolidation, consider the many debt reduction services offered by American Consumer Credit Counseling (ACCC), a non-profit agency dedicated to helping people like you get out of debt and live a debt-free life going forward.

ACCC provides affordable credit card debt consolidation services.

For more than twenty years, ACCC has provided assistance to individuals and families saddled with too much debt. As a non-profit agency, we offer a variety of credit counseling and debt management services, including credit card debt consolidation for people saddled with unmanageable credit card debt. Our professional credit counselors are certified and highly trained to better help consumers learn how to get out of debt and make a plan to manage their finances more effectively.

The benefits of credit card debt consolidation.

When you work with ACCC to consolidate and manage credit card debt, you will be able to:

  • Save money. By reducing interest rates and stopping late and over-the-limit fees and reducing payoff time, you can save money while lowering your monthly payment.
  • Simplify your finances. Credit card debt consolidation combines all the amounts you owe into one easy monthly payment, helping to eliminate the stress of having to make payments to multiple creditors each month.
  • Get out of debt quickly. Most consumers who set up a debt relief or debt consolidation plan can pay off their debt within 5 years.
  • Live debt-free. Our counselors will help you develop a workable budget to help manage your money in a way that lets you live without the burden of debt.

Our counselors are available to speak with you about credit card debt consolidation and our other debt and bill consolidation services. Contact us today to see how easy it can be to set up a debt consolidation program.

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