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 Solutions

Credit card debt solutions from ACCC.

Credit card debt is a serious concern for many individuals and families today. The recent financial crisis left many with more credit card debt than they can handle and seemingly few solutions for paying down their balances.

If you owe more on your credit cards than you can manage, American Consumer Credit Counseling (ACCC) offers credit card debt solutions that can help you pay off your cards and get out of debt faster – usually within five years. As a non-profit agency, our mission is to provide free credit counseling and affordable credit card debt solutions to people just like you. Since 1991, we’ve provided debt management solutions and credit card relief to tens of thousands of people, helping them get control of their finances and live life free of debt. Contact us today for a free, no-obligation evaluation of your situation and to learn more about our credit card debt solutions.

How our credit card debt solutions work.

Credit card debt solutions at ACCC involve a few simple steps. During your counseling session our credit counselors will evaluate your financial situation, including your debt, income and expenses. Then we’ll work with you to set a budget that will enable you to pay off your debts more quickly. Depending on your situation, we may recommend that you consolidate credit card payments in a debt management program, where you’ll make one easy payment each month instead of many payments to multiple creditors. We’ll also work with your credit card companies for possible credit card negotiation that can lead to reduction in your interest rates, late fees and over-limit charges, helping you save money and reach your credit card payoff date faster.

Why choose ACCC for credit card debt solutions?

When you work with ACCC on credit card debt solutions, you’ll benefit from:

  • Experience and expertise. We have more than 22 years of experience in the credit counseling industry and have helped thousands of people find their way out of debt.
  • Affordable debt solutions. As a non-profit organization, we’re dedicated to keeping our fees as low as possible and we waive fees for financial hardship.
  • Greater convenience. We make credit card debt solutions as easy as possible. Our counselors will handle most details and help with everything – from evaluating your finances to negotiating with your creditors and even making payments on your behalf.
  • Free financial education and materials. In addition to our credit card relief programs we offer educational resources and training on a wide variety of financial topics, to help you learn how to manage your money more effectively and live a debt-free future.
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-solutions
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=credit-card-debt-solutions&page=
Loaded Template: single-resource-pages.php