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 Relief Companies

Debt Relief Companies Provide Valuable Services for Consumers in Need

If your credit card bills and other personal debts have become more than you can manage, debt relief companies may be able to help. Of course, as with any significant financial decision, you need to be careful when choosing a debt relief company to work with. Make sure the company has been in business for at least 7-10 years, check to see what the Better Business Bureau has to say about them, and try to find consumer reviews of the company. As long as you take these common sense precautions, debt relief companies offer a variety of services that may be of value to you.

Debt Relief Companies Provide Debt Counseling

When you’re facing a difficult problem, expert advice can help point you toward a solution. If the problem you face is a mountain of personal debt, debt relief companies can help by providing professional debt advice.

American Consumer Credit Counseling (ACCC) has been a trusted source of expert debt counseling for more than two decades. Our certified debt counselors are available six days a week and evenings too, providing consumers like you with free personalized counseling on budgeting, credit management, and other topics pertaining to debt relief.

Debt Relief Companies Offer Debt Consolidation Options

If you’re overwhelmed by the number of different creditors that you need to pay each month, debt consolidation may be the right solution for you. Some debt relief companies offer debt consolidation options that can help make your monthly financial obligations simpler and more manageable.

ACCC’s program for unsecured debt consolidation has helped thousands of consumers regain control of their personal finances. Unlike the debt consolidation approaches promoted by some debt relief companies, ACCC’s consolidation program does not require you to borrow money. With ACCC’s debt management program, you make one consolidated payment to ACCC each month and we then pay your creditors. Often this program can lower your interest rates, thereby reducing the amount that you have to pay each month.

Debt Relief Companies Provide Bankruptcy Counseling

If your debt problems are truly dire, you may be considering bankruptcy. If so, you may be aware that current bankruptcy laws mandate counseling and education as part of the bankruptcy process. The U.S. Department of Justice has approved certain debt relief agencies to deliver the pre- and post-bankruptcy counseling that the law requires.

ACCC is approved by the Department of Justice to provide bankruptcy counseling to consumers who are going through the bankruptcy process. We offer pre-bankruptcy counseling as well as a post-bankruptcy credit counseling course (also known as debtor education).

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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