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 for us to call you.


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


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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.

Get Started


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Take Control and Become Debt Free

How We Can Help

In these trying economic times millions of Americans are facing serious challenges with credit card debt. Since 1991, our non-profit credit counseling service has helped over 1.3 million individuals and families with financial issues. Using American Consumer Credit Counseling's Debt Management Program:


  • Get a complimentary debt management assessment - with no upfront fees or obligations
  • Consolidate your unsecured debt into one affordable Monthly Payment
  • Get debt relief with American Consumer Credit Counseling Today
  • Become Debt-Free (3 - 5 years in most cases)

What is a Debt Management Plan (DMP)?

A debt management plan (DMP) is a type of repayment plan that's set up and managed by a non-profit credit counseling agency like ACCC. As part of our DMP, creditors may waive late and overlimit fees, lower interest rates, reduce monthly payments and bring passed due accounts current (also known as re-aging). With many DMPs, the goal is to have your debts fully repaid within three to five years, and in some cases sooner. Once you start the DMP, you'll make a single monthly payment to ACCC, we will then distribute the money to your creditors every month on time.


I’ll never forget the call when I thought all hope was lost as I was so overwhelmed by debt. Through my tears the lovely lady walked me through the process, enrolled me and month by month my debt decreased. I recently completed my payment plan and it feels great!

Call or fill out the form to connect with an ACCC Certified Credit Counselor to receive a free credit counseling session (no upfront fees or obligations):

Call Now 866-826-7177

Experience the Power of Being Debt-Free!

Need to Get Out of Debt? We Can Help.

Reduce Your Credit Card Payments by Up to 30 – 50%!

Call 800-769-3571

Counseling Center Hours (EST):
Mon-Thurs 9 AM – 11:30 PM | Fri 9 AM – 8 PM
Sat 10 AM – 6 PM | Sun Closed

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Your information will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever.

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ACCC does not loan money

The more we know about your current situation and where you’d like to be, the easier it is for us to create a Debt Management Budget.

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