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.


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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

Retirement Plan Options

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Retirement can be a daunting subject, but with the right preparation, the financial costs can be manageable. ACCC explains some different retirement plan options:

  1. 401(k) – This account is offered by employers as an employee benefit. Many employers offer to match employees’ contributions too.
  2. Individual Retirement Accounts (IRA) – This tax-advantaged tool can include investments in bonds, mutual funds, and stocks. IRAs are a good option if your employer doesn’t offer a 401(k).
  3. Roth IRA – This allows consumers to contribute after-tax income to an IRA. The money earned in this savings account will not be taxed upon distribution.
  4. Spousal IRA – This allows a consumer’s nonworking spouse to accumulate tax-advantaged savings for retirement.

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