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:

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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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Debt consolidation advice

Get debt consolidation advice before taking on new debt.

When you’re desperate to pay off your debts, the claims of debt consolidation companies can seem pretty attractive. But before you sign the papers to take out a new debt consolidation loan, it’s important to get some debt consolidation advice from a credit counselor. There are a wide variety of debt consolidation options, and debt consolidation advice from a financial professional can help you sort out the good options from the money-making scams. In addition to debt consolidation advice, a credit counselor can help you take a look at your entire financial picture and discuss all the different ways you can achieve unsecured debt relief.

When seeking debt consolidation advice and help eliminating debt, thousands of consumers throughout the country turn to American Consumer Credit Counseling (ACCC).

ACCC: a trusted source for debt consolidation advice.

ACCC is a nonprofit organization – our mission is to provide education and credit counseling to individuals and families seeking to pay off debt and live debt-free in the future. In our free credit counseling sessions, certified credit counselors provide debt consolidation advice and help you make a plan to take control of your finances in order to achieve your financial goals. And we offer low-cost debt management solutions that can help you pay off your debt faster – in most cases within five years.

During the counseling we’ll provide debt consolidation advice and answer all your questions about debt consolidation advantages and disadvantages as well as debt consolidation vs. debt settlement as the most effective way to pay off debt.

Why choose ACCC for debt consolidation advice?

There are many companies and individuals out there providing debt consolidation advice. Here’s why you can trust ACCC.

  • We’re a nonprofit organization. Whether it’s dispensing debt consolidation advice or helping you pay off credit card debt through a debt management plan, our focus is on you – not on our own bottom line.
  • More than two decades of experience. Since our founding in 1991, we have helped thousands of consumers just like you pay off their debt. Our debt counselors are highly experienced and can discuss the pros and cons of debt consolidation vs chapter 13 and other paths out of debt, and answer questions like “Does debt consolidation work?”
  • We can help save you money. With free credit counseling and low fees for debt management services, you’ll save money when you choose to work with us.
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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