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 counseling service

Choosing a credit counseling service.

When your debt has become overwhelming and is affecting your credit, finding a credit counseling service may be a wise decision.

A credit counseling service provides financial counseling services to help you identify and adopt strategies for paying off your debt. Credit counselors can help you find resources and suggest courses of action to take to reduce your debt and manage money more effectively.

Choosing a credit counseling service can be difficult, as there are a great many options available. If you’re carrying high balances on your credit cards or have a significant amount of loans, you probably get frequent offers from companies that want to help you with debt consolidation or credit debt relief. That’s because helping consumers consolidate or reduce debt can be very profitable for some companies.

That’s why, when choosing a credit counseling service, it’s important to look for a nonprofit debt counseling agency, and one that has been in business for at least seven years. You also want to work with a company that is licensed and/or certified in your state, and that charges no minimum fees for their credit counseling service.

For many consumers today, American Consumer Credit Counseling (ACCC) is a trusted source for financial services and credit card debt counseling.

ACCC: a credit counseling service you can trust.

Since 1991, ACCC has been dedicated to helping consumers take control of their finances and find a path out of debt. As a nonprofit with an A+ rating from the Better Business Bureau and membership in the National Foundation for Credit Counseling (NFCC), we are a credit counseling service you can trust to have your best interest in mind when it comes to recommending ways to pay down your debt.

Our credit counselors are highly experienced, certified and available six days a week to talk with you by phone or in person. At your first credit counseling session, we’ll help you take stock of your situation and lay out personalized options for you based on your financial goals. We can answer your questions about debt settlement, debt consolidation with bad credit, and the benefits of a debt management program. With ACCC’s credit counseling service, you can make a plan to pay down your debt over time and get the support you need to follow through.

Benefits of ACCC’s credit counseling service.

The credit counseling service from ACCC offers:

  • Free credit counseling – your credit counseling sessions at ACCC are always free.
  • Low-cost debt management services – we offer low-cost debt management services with rates that are among the lowest in the industry.
  • Experienced advisors – our counselors are experts at helping consumers make a plan for getting out of debt and learning to live debt-free.
  • Free educational materials – our website contains tools and financial educational materials that can help you learn to budget and manage money more effectively.

Learn more about the credit counseling service from ACCC.

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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