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 Counseling Bankruptcy

Credit Counseling for Bankruptcy

Credit counseling for bankruptcy will help you become better informed about a potentially huge step that can affect your financial life for a long time. Although a bankruptcy discharges your qualifying debts, there are several consequences:

  • The bankruptcy stays on your credit report for up to 10 years after you file.
  • It will be hard for you to get additional credit.
  • You might not be hired for certain jobs, because some employers may check your credit report and reject applicants who have filed for bankruptcy.

Despite the consequences, sometimes filing for bankruptcy seems to be the only option to ease your financial difficulties. Before you make a final decision, seek bankruptcy counseling from an expert counselor at a non-profit credit counseling agency.

Preparing for Your Credit Counseling for Bankruptcy

Credit counseling before bankruptcy is required by law. Even if you haven’t made a final decision about filing, the pre-bankruptcy counseling can help you consider the alternatives to bankruptcy and determine whether it’s the best option for your situation. In other words, this consumer bankruptcy counseling session helps you make an informed decision.

During the credit counseling pre-bankruptcy, you will get credit counseling advice and learn the different alternatives to filing for bankruptcy, but you will not receive legal advice. You can evaluate this information to decide whether you want to proceed, however. You might discover a better option that provides debt relief but is less harmful to your credit rating.

When you come to your pre-bankruptcy counseling session, make sure you have this information on hand for the credit advisor to assess your financial situation accurately and effectively:

  • Monthly household income and expenses
  • Asset information, such as real estate, vehicles, savings, and retirement plans
  • Secured debt information, such as home mortgages and car loans
  • Unsecured debt information, such as credit cards, department store cards, and personal loans

You do not need to provide the account numbers for your secured and unsecured debt. Only the creditors’ names and current account balances are necessary.

When you finish your credit counseling regarding bankruptcy, you will receive a certificate that you file with the court if you decide to proceed with bankruptcy. Or you might find that other consumer debt solutions are better for your financial situation.

If you do pursue bankruptcy, you will need to complete additional credit counseling after bankruptcy filing and before your debts are discharged, in the form of a debtor education course at least two hours in length.

Alternatives to Credit Counseling for Bankruptcy

In addition to providing U.S. government-approved credit counseling pre-bankruptcy and post-bankruptcy, American Consumer Credit Counseling (ACCC) has several consumer credit solutions to meet your unique needs. Here are just a few of the services we offer:

  • Debt management programs that consolidate your debt without requiring new borrowing
  • Reverse mortgage counseling
  • Foreclosure counseling (Massachusetts residents only)
  • Free financial education, such as resources for military families and veterans, student loans, seniors and guides to teach your children on how to manage their money
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-counseling-bankruptcy
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=credit-counseling-bankruptcy&page=
Loaded Template: single-resource-pages.php