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.


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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 Management Service

Solve your financial troubles with a debt management service.

When you need help managing your credit card debt or paying off loans, a debt management service may be the right choice. As opposed to debt consolidation programs, a debt management service won’t require you to take out a new loan. Instead, you’ll receive helpful debt management credit counseling to assist you in making a plan to manage your debt and pay it off over time.

There are several key things to look for when you’re choosing a debt management service. You’ll want to get a clear idea about the fees, to make sure there are no hidden costs and that the agency won’t overcharge you. You should also ask about financial education programs and resources that may be available to help you learn more about managing your finances. And choosing a debt management service from a nonprofit organization is a great way to make sure the agency is looking out for your best interests.

When you want debt management counseling from an agency you can trust, consider the services available from American Consumer Credit Counseling (ACCC).

ACCC offers a leading debt management service.

Since 1991, ACCC has been helping consumers to solve their debt problems and learn to live debt-free. We are a nonprofit organization offering free credit counseling, low-cost debt management programs, and a wealth of free educational materials. Our consumer debt counselors are highly trained professionals who can help you analyze your current financial situation and provide you with viable options to address your issues.

Your credit counseling session at ACCC is free of charge. Our counselors will help you develop a budget and an action plan which may include a recommendation for a debt management service. If you choose to enroll in the program, our counselors will help you every step of the way.

How ACCC’s debt management service works.

The goal of a debt management service is to help you get out of debt as quickly as possible without going through bankruptcy, debt settlement, or using debt consolidation services. In ACCC’s debt management service, our counselors will work with you to identify all of your debts and create a manageable budget. We’ll contact creditors on your behalf to seek lower interest rates, a lower monthly payment, and to re-age your accounts so they are current, instead of in arrears. Each month, instead of paying your creditors directly, you’ll make one payment to ACCC and we’ll in turn pay your bills on your behalf. With ACCC’s low-cost debt management program, you’ll find your finances are simpler to manage and you’ll experience less stress over your financial situation and paying your bills.

Learn more about debt management services and ACCC, and why working with a debt management program is more advantageous than working with a credit card debt consolidation company.

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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