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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Resources & Tools

Gross Vs. Net Income

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It is important to understand the difference between gross and net income. Your paycheck may show a lower take-home amount than what you expect from your salary or hourly wage. Knowing the difference between the two will help when planning your expenses.

Gross Income

Gross income is a person’s total income earned before taxes and other deductions. Earned income includes salaries, wages, bonuses, tips, and self-employment income.

Net Income

Net income is a person’s income earned after deductions and taxes. Net income is the percentage of take home pay from each paycheck.

Statutary Withholdings on a paycheck include:

  1. Federal Income Tax
  2. Social Security Tax
  3. Medicare Tax
  4. State and Local Income Tax

There are other deductions that impact your net income that may include:

  • Health
  • Dental
  • 401k
  • Flexible- Dependent Care
  • Flexible-Medical

How you adjust your withholdings has a direct impact on your paycheck. Be sure to review the federal and state withholding forms and apply accordingly. The more money that is withheld from your paycheck, the smaller the paycheck. The less money that is withheld from your paycheck, the larger the paycheck. Make the best use of your money, and have the right amount of tax withheld.

Get Your Debt Management Plan

This is what others are saying about our credit counseling and debt management services:


This entire program was a lifesaver for me.  I was about 20k in debt and didn’t know how I was going to tackle it.  A friend that was currently enrolled in the debt management program suggested it to me.  After reading the reviews I quickly called ACCC.

Jamina from TX


Thank you for changing my life for the better.  Thank you for helping me make better money management choices and getting myself out of debt.

Michelle from TX


I’ve recommended you guys to many friends!  I’m not sure how I got by for so long before I found you.  I am so grateful for the stress that you all took off my shoulders. 

Lindsay from MA


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