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

Learn More About Credit Card Debt

Credit card debt can be a nightmare that threatens your financial future. With credit cards so easily available, you may find that credit card debt can rise quickly to unmanageable levels. Credit card debt may also increase when you don’t have much in the way of personal savings and have to use your credit card to cover the financial emergencies. While there are many reasons your credit card debt may be high, one thing is certain: unless you make a plan to manage it, excessive credit card debt can lead to financial difficulty and possible bankruptcy.

When you feel like you have more credit card debt than you can handle, American Consumer Credit Counseling (ACCC) can help. We’re a non-profit organization that provides debt reduction services for people who need help getting out of debt. As one of the nation’s leading providers of credit counseling and debt management programs, we have helped tens of thousands of individuals and families just like you make a plan to pay off credit card debt and live a debt-free future.

Tackle credit card debt with ACCC's support.

Tackle credit card debt with ACCC’s support.

Pay off credit card debt through a debt management program.

A debt management program at ACCC involves several simple steps.

  • Evaluating your financial picture. An ACCC counselor will review with you all of your outstanding credit card statements, monthly bills and other debts as well as your income, and make a plan for how to eliminate debt – usually within five years.
  • Making a plan for the future. The counselor will also help you create a workable budget that you can live with and a plan for staying debt-free in the future.
  • Consolidating your debts. You can simplify your finances and reduce the stress of credit card debt through credit card debt consolidation. This allows you to make one payment each month instead of many payments to a variety of creditors.
  • Working with creditors. We’ll work with your creditors to possibly secure lower interest rates, lower monthly payments or to eliminate late fees and over-the-limit fees, helping to save you money and pay off your debt faster.

Why choose ACCC for a credit card debt reduction program?

Since 1991, ACCC has been providing successful credit counseling and debt solutions; we have the experience and expertise you can rely on to eliminate your credit card debt. As a non-profit organization, our services are very affordable – we pride ourselves on having the lowest effective rate structure in the industry. Furthermore, we offer a broad range of financial education resources, including online financial tools, calculators and articles as well as monthly newsletters and other solutions that can help you better manage your money, eliminate debt and secure your financial 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

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