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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Debt consolidation questions

Debt consolidation questions? Find answers here.

If you owe a lot of money to a lot of creditors, you probably have a few debt consolidation questions to ask. Like, does debt consolidation work? Will it save me money? What are the advantages of debt consolidation vs. debt settlement? How long will it take me to pay off my credit cards with a debt consolidation plan? And how to I choose the right debt consolidation company?

These are excellent questions, and it’s important to get answers to these and other questions before you jump into a debt consolidation program. Many debt consolidation firms are for-profit agencies and their services come at a significant price. Depending on the debt consolidation arrangement you choose, it’s possible to actually end up owing more money than when you started.

For answers to all your debt consolidation questions, contact the professional credit counselors at American Consumer Credit Counseling (ACCC). We provide free credit counseling sessions where you can get answers to debt consolidation questions, as well as questions about other ways of managing debt.

Get answers to debt consolidation questions at ACCC.

What is credit counseling, exactly? That’s a good question, too. Credit counseling is a service offered by financial professionals who provide advice and expertise on dealing with debt, managing finances, and improving your credit rating. As a non-profit credit counseling agency, our mission at ACCC is to educate consumers about how to become debt free and stay that way. We offer free counseling sessions, low-cost services, and lots of free educational materials that can help you learn how to manage money more effectively, how to pay off credit cards fast, and how to achieve unsecured debt relief.

Why choose ACCC for your debt consolidation questions?

There are plenty of people and companies out there offering financial advice and willing to answer your debt consolidation questions. Here’s why you can trust ACCC:

  • We’ve been in the credit counseling business since 1991, and we have deep expertise and an excellent track record. Thousands of individuals and families across the country have made the journey out of debt with help from our highly trained counselors.
  • As a non-profit, we can provide lots of free and inexpensive services to help save you money.
  • We provide a comprehensive financial evaluation. Our counselors will analyze your finances to give you a clear picture of where you stand.
  • We explain all your options. We’ll discuss topics like debt consolidation advantages and disadvantages, the benefits of a debt management program, the risks of a debt settlement programs, and how bankruptcy works.

Start your journey out of debt today – contact us for a free, no-obligation consultation.

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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