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

Bankruptcy

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

Wait!

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.

Yes

Debt consolidation for bad credit

Programs for debt consolidation for bad credit.

When you’re looking into debt consolidation for bad credit, the options can be fairly minimal. For debt consolidation to be effective, you need to find a new low-interest loan to pay off multiple current loans or debts. By saving money on interest or by lengthening the terms of the new loan, you can typically pay your debt off faster or reduce your monthly payment.

But when trying to consolidate debt with bad credit, finding a low-interest loan is almost impossible. Some legitimate debt consolidation firms may take a chance on you, but the interest on your new loan will be quite high, preventing you from achieving the savings you’re looking for. You might find a credit card debt consolidation company or debt settlement negotiation firm offering debt consolidation for bad credit, but many of these companies charge exorbitant fees while failing to help you resolve your financial issues.

The major disadvantage of debt consolidation for bad credit.

One additional drawback to debt consolidation for bad credit: consolidating your debts may not help you pay them off any faster. One or two years after starting a program for debt consolidation for bad credit, many people are still in debt – and often more extremely. That’s because a program for debt consolidation for bad credit won’t help with the steps required to get out of debt for good.

That’s where American Consumer Credit Counseling (ACCC) can help. We are a non-profit company offering free credit counseling and low-cost services to help consumers regain control of their financial life and make a plan to get out of debt for good. Our certified and highly trained counselors can help you gain a clear understanding of your financial situation and how you got there, and walk you through the options for paying off your debt while keeping your financial goals in mind. We can also direct you to information about managing money and credit counseling online – our website is full of free and helpful financial educational materials.

The value of debt management over debt consolidation for bad credit.

For people seeking debt consolidation for bad credit, we often recommend a debt management program instead. Unlike a program for debt consolidation with bad credit, you’ll consolidate your multiple payments each month instead of consolidating debts. You’ll send one payment to ACCC, and our credit team will pay your bills on your behalf. You’ll experience an easier and less stressful financial routine, and we’ll make sure your bills are paid on time. We’ll also contact your creditors to seek reductions in charges, fees, and interest rates to help reduce the amount you owe so you can potentially pay it off faster.

Learn more about alternatives to debt consolidation for bad credit.

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
Dev Tool:

Request: debt-consolidation-for-bad-credit
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=debt-consolidation-for-bad-credit&page=
Loaded Template: single-resource-pages.php