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 Counseling Course

Finding the Right Credit Counseling Course

For individuals or groups seeking a credit counseling course, American Consumer Credit Counseling (ACCC) offers a variety of programs. A non-profit, Better Business Bureau accredited debt management company, ACCC has been educating consumers about financial and credit issues for more than two decades. We have credit counseling course offerings tailored to a variety of needs and circumstances.

A Credit Counseling Course to Discharge a Bankruptcy

The U.S. Bankruptcy Code requires that individuals who have filed for Chapter 7 or Chapter 13 bankruptcy complete a debtor education course from an approved credit counseling organization before their debts can be discharged. ACCC is approved by the Department of Justice to administer this type of credit counseling course. The course takes approximately two hours to complete and covers topics including budget development and prudent credit management. You can take a post-bankruptcy credit counseling course with ACCC in person, over the phone, or online. The course costs $39 per household.

A Credit Counseling Course Together with Debt Consolidation

If you are looking for a credit counseling course as part of an overall solution to debt problems that you’re experiencing, ACCC can help. In an initial free counseling session, an ACCC professional credit counselor can help you assess your current situation, develop a workable budget for you, and provide debt advice including discussing debt consolidation options available through ACCC’s debt management program. The ACCC debt management program consolidates your unsecured debt without requiring a loan, and can often reduce your interest rates and your total monthly payment amount.

If you participate in the ACCC program you will receive our complimentary Financial Peace of Mind course consisting of eight self-directed study chapters and assessments. This self-directed course will help to raise your financial awareness and improve your money management skills, while the debt management program puts you on the path to financial freedom.

A Credit Counseling Course for Your Community Group

Is your community group interested in having a highly informative credit counseling course presented to them? ACCC offers free educational workshops to community groups in the New England states. Available workshops include:

  • Understanding Credit
  • Money Management
  • Identity Theft
  • Teaching Children About Money

Participants have responded enthusiastically to ACCC’s workshops, praising the sessions as being interesting and easy to understand.

As one of the nation’s leading nonprofit debt consolidation companies, ACCC is dedicated to providing consumers with the debt counseling and the financial education resources they need to gain control of their finances and wisely manage their use of credit. Our website includes a wide range of financial education resources including articles, worksheets and financial calculators.

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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