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 solution

Need a debt relief solution?

When bills are piling up and your credit card balances are creeping higher every month, a debt relief solution can help you find your way out of debt more easily.

Debt can be overwhelming. When you owe more money than you can ever imagine paying off, it can be hard to know which way to turn. The good news: there are many resources available to help you find a debt relief solution. From consolidation loans to debt settlement and debt management programs, there are a wide variety of tools available to consumers that can help to pay down debt over time.

American Consumer Credit Counseling (ACCC) is a nonprofit organization dedicated to providing free credit counseling and helpful resources to people who want to find a debt relief solution. When you want to know all the credit debt solution options available to you, simply contact ACCC to speak with a certified credit counselor.

Get professional advice about a debt relief solution.

At ACCC, we’ve been helping people manage and eliminate their debt for more than two decades. Our highly trained counselors are available six days a week in person or by phone to discuss your financial situation. In your first free counseling session, your ACCC credit counselor will work with you to get a clear understanding of where you’re financially and where you want to be in the future. Then we’ll take you through all the possible options and help you choose the debt relief solution that can best achieve your goals. Your counselor will provide you with a wealth of information and answer questions about how to consolidate credit cards effectively, how to pay off credit card debt more quickly, and how to avoid bankruptcy.

In addition to free credit counseling, we offer low-cost services with fees that are among the lowest in the industry. Our counselors will also point you to free educational materials and government and community resources that can help you manage your money more effectively.

Debt management: a highly effective debt relief solution

One debt relief solution that we often recommend to our clients is a debt management program.

What is a debt management program? It’s a plan where rather than paying your many creditors directly each month, you send one simple payment to us and we take care of paying all the bills. While this debt relief solution makes your financial life simpler and makes it easier to keep up with your payments, it also enables us to work with your creditors for possible reductions in interest rates, finance charges, late fees and other charges. The result: you potentially end up owing less money and have the ability to pay your debt off faster.

Learn more about choosing the right debt relief solution with help from ACCC, and about the benefits of debt management over a credit settlement.

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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