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.

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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 Payoff

Let ACCC handle your credit card payoff.

If you have a lot of credit card debt and want to put a credit card payoff plan in place, American Consumer Credit Counseling (ACCC) can help. We’re a non-profit organization dedicated to helping consumers like you get out of debt through credit card payoff plans and debt management programs. We offer free credit counseling and affordable programs that have helped tens of thousands of people get out of debt over the 22 years we’ve been in business. Our expert counselors can help you create a budget and make a plan for credit card payoff to get you out of debt more quickly – within five years, in most cases. Call today to schedule your free, no-obligation consultation and take the first step toward living a debt-free future.

How a credit card payoff plan works.

When you come to ACCC for credit card payoff solutions, here’s what will happen:

  • You’ll speak with a certified credit counselor who will evaluate your financial picture to get a complete understanding of your debts, expenses and sources of income.
  • You’ll work with our counselors to create a budget that you can live with while allowing you to start your credit card payoff.
  • Depending on your financial situation, our credit card relief program counselors may recommend a debt management program that will consolidate credit card payments and payments on other unsecured debts, helping you to save money and simplify your finances. Under the plan, you’ll make one easy payment each month to ACCC and we’ll in turn make payments to all of your creditors on your behalf.
  • Our counselors will work with your creditors for a possible credit reduction in interest rates on your credit card balances, elimination of late fees and other charges, and reduction in the time it will take to achieve credit card payoff.

Why choose ACCC for your credit card payoff plan?

Founded in 1991, ACCC is a leader in the credit counseling industry. As a nonprofit organization, our rates are among the lowest in the industry and we are frequently able to waive fees for cases of hardship. Our credit counselors are highly experienced in debt management and credit card debt solutions – they will handle all the details for you, helping to simplify your life and reduce the stress caused by owing too much money. You’ll be able to reach payoff more quickly – most of the clients in our credit card relief programs become debt-free within five years. Finally, we offer a wide range of information and educational materials to help you learn more about managing finances and staying out of debt.

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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