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

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

Car Loan Payment Calculator | Car Loan Calculator

Now that you know exactly how much your monthly car loan payment will be after factoring in the fee, interest, and trade- allowance, it’s time to budget for your payment. Do you feel prepared to make that payment every month? Your first step is to analyze your overall financial situation by taking a deeper look at how and where you spend your money on both a monthly and daily basis. Use ACCC’s Budget in Your Pocket worksheet to help you figure out where your money is going on a day-to-day basis. To get an overall sense of your expenses on a monthly basis, use ACCC’s Household Budgeting worksheet. Be sure to include your estimated car loan payment you just calculated.

If after analyzing your financial situation you do not see room in your budget for your car payment, consider starting to save by cutting back and check out these tips on how to cut back on expenses like housing and utilities, food, personal insurance and retirement, health care, and clothing and services. If you are still having trouble balancing your budget, consider contacting an accredited credit counseling agency for a free budget counseling session.


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

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