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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Debt Restructuring

Interested in debt restructuring? Call ACCC first.

Debt restructuring is one of several debt relief options people often use to pay off loans or eliminate credit card debt. Debt restructuring typically involves taking a new loan to pay off a variety of creditors. Ideally, the terms of any debt restructuring deal should be advantageous to the consumer, reducing the total amount of monthly payments and/or the total amount of principal and interest to be paid overtime.

Unfortunately, there are some common pitfalls to debt restructuring arrangements. For consumers who are in financial distress or whose credit score has been damaged, it may be difficult to get a debt restructuring loan at a decent rate. Some debt restructuring agencies take advantage of this and charge very high fees. Many consumers fail to shop around for the best terms, or they get so focused on lowering their monthly payment that they don’t realize that in the end, they’ll actually be paying a lot more in interest over time.

If you’re considering a debt restructuring arrangement, contact American Consumer Credit Counseling (ACCC). We’re a non-profit organization dedicated to providing credit relief to individuals and families and helping them find their way out of debt. Our experienced credit counselors can help you decide if debt restructuring is the best course of action for you or if other debt reduction programs may be more advantageous.

Alternatives to debt restructuring.

At ACCC, we frequently encourage consumers to consider other debt relief programs, like a debt management plan, as an alternative to a debt restructuring deal. Under a debt management program, you work with our counselors to evaluate your financial situation, create a budget, and set aside money each month to help pay down your debt. We consolidate your debt payments, so you can make one payment each month to us and we’ll be responsible for making sure your creditors are paid on time. This makes it easier to manage your finances, keep current on payments, and reduce the stress of owing lots of money to lots of people. We also work on debt negotiation with your creditors to get possible reductions in finance charges, interest rates, late fees, and other charges. This helps to save you money and makes it possible to pay off your debt faster.

Advantages of debt management over debt restructuring.

  • No new loans. Because a debt management program does not involve taking out a new loan, it may be easier to protect your credit score.
  • Less cost. While debt restructuring deals can be quite costly, the cost of a debt management program with ACCC is minimal – as a nonprofit, we’re committed to keeping our fees as low as possible.
  • Helpful support. Our credit counselors support you through every part of the process, providing helpful tools and educational resources to help you learn more about avoiding debt and managing your money.
See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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