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


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


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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 (24-48 months in most cases)


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):

Speak with a Certified Credit Counselor Today 866-826-7177

Experience the Power of Being Debt-Free!

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Get Help Now!

Start Here

Step 1 of 3:

* denotes required fields

Please provide your contact information in order for ACCC to respond to your inquiry.

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

ACCC does not loan money

American Consumer Credit Counseling (ACCC) may use the contact information you provide to us to contact you about our services. For information on our privacy policies and commitment to protecting your privacy, please review our Privacy Policy.

Creditor Information

Enter your unsecured debts that you would like to have reviewed and evaluated. ACCC works with creditors to arrange benefits which may include lower interest rates, stopping late and over-limit fees, and re-aging delinquent accounts to reflect your current status. Some creditors may choose not to participate in the debt management program. Payments are approximate and based solely on the information provided and are subject to creditor participation in the program.

NOTE: Secured creditors, mortgages, auto loans, student loans, or cellular phones cannot be applied.

American Consumer Credit Counseling (ACCC) is a non-profit credit counseling 501 (C)(3) organization.

Step 2 of 3:

Please provide the following information about your credit card debt.

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Creditor Name

Amount Owed

Type of Debt

Current Payment


Free Assistance with Your Household Budget:

A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. A budget can help you find ways to save money and plan. ACCC has compiled helpful resources, tips, and tools to help you understand and create a successful budget.

Complete the online application for Household budget. Include all household expenses as accurately as possible. This information you provide will be used to compute your household budget. This will provide counselors more information to work with during your Debt Management Plan budgeting session.

Note: Try not to inflate the numbers, but do not underestimate either.

Step 3 of 3:

NOTE: The remaining fields are not required but will help compute a household budget.

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