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

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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.

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Resources & Tools

Pay Down Debt Calculator

If you have a surplus at the end of the month, you are probably wondering if you should spend this extra money, save it for the future, or use it to pay off credit card debts. If after analyzing your current situation using this financial calculator, you are still unsure about how to best make your money work for you, it’s time to do more research.

As the average amount of consumer debt climbs, American Consumer Credit Counseling’s recent poll found that 83 percent of respondents opt to pay off debts rather than invest in a savings account. The poll also found that 58 percent of respondents don’t regularly contribute to a savings account. For a full breakdown of the results and more information about paying off credit card debt versus saving for the future, check out the infographic here.

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