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.


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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 help

Where to find credit card debt help.

When you’re struggling to pay your credit card bills, there are a number of places you can turn for credit card debt help. Many of these solutions, however, may actually leave you deeper in debt. When working with a debt settlement or credit card debt consolidation company, for example, it’s not uncommon for people seeking credit card debt help to wind up with more debt than when they started.

That’s why it’s important to consult debt consolidation counseling or credit card debt counseling professionals when you’re looking for credit card debt help. A credit card counseling service can help you determine the best way of paying down your balances and explore a variety of options for credit card debt help.

ACCC: credit card debt help and free credit counseling.

American Consumer Credit Counseling (ACCC) is a nonprofit agency dedicated to helping individuals and families get out of debt for good. We offer free credit counseling sessions where you can discuss with a certified specialist to explore a variety of approaches to credit card debt help. Our counselors are available by phone and in person to help you analyze your financial situation and review a list of personalized options based on your financial goals. These may include consolidating credit card debt payments in a debt management program, which we believe to be one of the most effective ways of managing debt and learning to live debt-free.

In addition to free credit card counseling and credit card debt help, we offer low-cost services in a variety of areas including bankruptcy, student loans, housing and other financial matters. We also provide an abundance of financial educational information on our website, where you can learn more about budgeting and managing money to achieve your goals.

Credit card debt help from a debt management program.

At ACCC, we typically recommend a debt management program for individuals seeking credit card debt help. We offer low-cost debt management services with rates that are among the lowest in the industry, and they can be waived for people that can’t afford them.

When you enroll in our debt management program, our counselors will work with you to create a budget that will let you pay down your debt over time, usually 60 months or less. Then we’ll contact your creditors to seek reductions in monthly payments, interest rates and fees, to help you pay off your debt more quickly. And to simplify your finances, you’ll make just one payment to ACCC each month, from which we’ll make your payments for you, ensuring your bills are paid on time and relieving you of the stress of managing multiple payments to multiple creditors.

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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