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

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.


Debt specialists

Choose the right debt specialists to help you get out of debt fast.

Looking for debt specialists to help you reduce or eliminate your debts? You’ll find lots of options out there – everything from debt consolidation agencies promising to settle credit card debt to debt specialists offering to show you how to become debt free.

The key to choosing the right debt specialists is to find people whose primary goal is to help you, rather than to profit off you. Many debt specialists will recommend debt consolidation or debt settlement services that are profitable for them, but questionable for your financial situation and your credit rating.

American Consumer Credit Counseling (ACCC) is a nonprofit organization with debt specialists who are dedicated to helping consumers just like you find their way out of debt. With free credit counseling and low-cost debt management services, we put your interests and financial well-being first, and can provide you with many options for reducing credit card debt, creating a workable budget, and making a plan to live life free of debt.

What our debt specialists offer you.

When you choose the debt specialists at ACCC, we’ll first work with you to get a complete picture of your financial situation – your income and expenses, your debts and savings, and how you’d realistically like see your financial future. Then our specialists will show you all the options that may meet your needs, from debt management plans and debt consolidation qualifications to bankruptcy options and help from social services. We’ll help you select the right plan for your situation, and get you started on the road to paying off your debts and learning to avoid debt in the future.

Each of our debt specialists has a credit counseling certification from the Association of Independent Consumer Credit Counseling Agencies (AICCCA), the largest National Association representing non-profit credit counseling companies.

Why choose the debt specialists at ACCC?

When you choose to work with the debt specialists at ACCC, here’s what you get:

  • Experience. Over the past 25 years, we’ve helped thousands of consumers find their way out of debt.
  • Savings. As a nonprofit debt relief company, we provide a variety of free services and educational materials, and our fees for services such as our debt management program are among the lowest in the industry. We pledge to help regardless of your ability to pay, and we routinely waive fees for financial hardship and for active members of the United States military.
  • Convenience. As you are working to pay off your debt, our debt specialists will handle many tasks for you, from evaluating your finances to writing checks to your creditors.
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

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-specialists
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=debt-specialists&page=
Loaded Template: single-resource-pages.php