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

Post-Bankruptcy Client

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.

Get Started


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


Resources & Tools

Video: What Is Debt Settlement?

If you like our content, make sure to subscribe to our channel! 

Debt settlement is a process of settling debt with a creditor for less than what is owed.

With debt settlement, you stop paying your creditors and pay the debt settlement company instead. In the meantime, your accounts become delinquent. After some time, the company tries to negotiate a debt settlement offer with your creditors. They hope to settle for a lower amount than what you actually owe.

Although debt settlement sometimes works, the risk doesn’t always pay off. Your creditors aren’t obligated to accept a lower amount. Debt settlement offers no guarantees. If it fails, debt settlement can leave you in more financial trouble than before. Ultimately, you may pay a debt settlement agency hundreds or thousands of dollars & still owe the same amount to your creditors!

Before opting for debt settlement, call American Consumer Credit Counseling (ACCC). ACCC is a nonprofit dedicated to helping consumers take control of their finances. We offer free credit counseling sessions and low-cost debt management services. Learn more about debt settlement and ACCC’s programs by giving us a call today.


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:

Request: debt-resources-tools/videos/informational-videos/what-is-debt-settlement
Matched Rewrite Rule: debt-resources-tools/([^/]+)/([^/]+)/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=videos/informational-videos&debt-resources=what-is-debt-settlement
Loaded Template: single-debt-resources.php