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.

Select a Client Login below based on the service that you are currently enrolled in:

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 recovery

How to deal with debt recovery companies.

Dealing with debt recovery agencies is one of the most difficult parts of being deeply in debt. Debt recovery firms are hired by creditors to recover money owed to them by consumers. Debt recovery agents can be very aggressive and threatening, making what is already a difficult situation for you financially even more stressful.

For help handling a debt recovery company, contact American Consumer Credit Counseling (ACCC). We are a nonprofit organization dedicated to helping consumers with poor credit ratings, with credit card debt problems, or who are deeply in debt regain control of their financial future. Our highly trained credit counselors can help you analyze your finances, look at your options for lowering credit card debt or eliminating debt altogether with a plan to become debt free within a few years.

How ACCC works with debt recovery firms.

One of the strategies we often recommend for dealing with a debt recovery company is to enroll in a debt management plan. Under this arrangement, we will take responsibility for paying and communicating with all your creditors, including any debt recovery firms that are trying to get money from you. Rather than making multiple payments to your various creditors each month, you’ll make just one payment to us, and we’ll make sure your creditors are paid regularly and on time.

A debt management plan accomplishes three things. It shields you from the unpleasant contact with debt recovery agents and other creditors. It makes it easier for you to keep up with your debt obligations – after all, you’ll have just one payment to make each month. And it lets us enter into conversations with your creditors about potentially reducing interest rates and finance charges, and stopping over-limit fees and late fees. Most of our clients that enroll in a debt management plan are able to settle credit card debt within five years or less.

Why choose ACCC for help with debt recovery agencies?

When you choose ACCC as your debt management center, we can help you to:

  • Stop unwanted calls from debt recovery companies. We’ll take over the communication with your creditors.
  • Save money. We offer free credit counseling and our fees for our debt management plan and other services are extremely low. And by helping you reduce interest rates and finance charges, we can save you even more.
  • Get out of debt faster. After reviewing your financial situation, we’ll help you find the fastest path out of debt. Most of our clients are able to find unsecured debt relief within just a few years.
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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