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


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 debt management

Eliminate debt with a credit card debt management plan.

When you are interested in paying off high interest credit cards and getting out of debt for good, a credit card debt management plan may be the answer. A credit card debt management plan can help you pay down your debts more quickly while also addressing the financial choices that helped to create your debt in the first place. Rather than taking out new loans to pay off old debts or engaging in a risky credit card settlement process, a credit card debt management program helps you simplify your finances and manage your debt more efficiently.

When you’re interested in finding out more about a credit card debt management solution, American Consumer Credit Counseling (ACCC) can help. We offer free credit counseling and low-cost services to individuals and families that want to get out of debt for good. Our certified counselors will help you make a plan to eliminate debt and choose the best credit debt solution for your financial situation and goals. And as a nonprofit organization, the fees for our credit card debt management program are among the lowest in the industry.

How does a credit card debt management program work?

When you enroll in a credit card debt management plan with ACCC, our counselors will first help you get a clear picture of your financial situation and create a budget that you can live with while you pay down your debts. They’ll answer all your questions like “What is a debt consolidation loan?”, “How do I consolidate loans?” and “What are my credit card debt options?” And they’ll direct you to a wealth of free resources on our website that can help you manage money more effectively.

Next, we’ll consolidate all of your payments to various creditors. Rather than writing lots of checks each month, you’ll make a single payment to ACCC and we’ll take care of paying all your creditors. In the process, we’ll also work with your creditors to possibly reduce your interest rates, finance charges, over-limit fees, and late fees, helping to lower your monthly payment and/or pay off your debt more quickly. With our credit card debt management plan, most clients find they can pay off their debt within five years or less.

Benefits of credit card debt management with ACCC

When you choose ACCC for your credit card debt management plan, you’ll be able to:

  • Save money. As a nonprofit organization, we have one of the lowest fee structures in the industry for debt management services.
  • Avoid new debt. While other debt relief options involve new debts to pay off old loans, we help you get out of debt without needing to take out new loans.
  • Have peace of mind. With more than two decades of experience in the credit counseling business, we’ve been able to help thousands of consumers find the best path out of debt.

Learn more about credit card debt management with ACCC.

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