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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Eliminate Credit Card Debt

Eliminate credit card debt with ACCC.

When you want to eliminate credit card debt, American Consumer Credit Counseling (ACCC) can help. We’re a non-profit organization providing debt management and credit card relief programs to individuals and families throughout the U.S. For more than 22 years, our expert credit counselors have helped people just like you eliminate credit card debt, manage their finances more effectively and begin to live life debt-free. Our credit counseling services are free and the fees for our credit card relief program are among the lowest in the industry. Contact us today to set up a free consultation where you can get more information and make a plan to eliminate credit card debt.

How we help you eliminate credit card debt.

At ACCC, a plan to eliminate your debt involves several steps:

  • Financial evaluation – our credit counselors will speak with you to look at your financial situation – analyzing your debts, income, expenses, and assets.
  • Budgeting – we’ll assist you in creating a budget to manage your finances more effectively and allow you to eliminate credit card debt.
  • Consolidating payments – as part of a debt management program, you may be able to consolidate credit card payments and payments on other unsecured debt. Under this arrangement, you’ll make one payment each month to ACCC and we’ll distribute funds for you to your creditors. This allows you to simplify your finances and makes it easier to keep current with your payments.
  • Credit card negotiation – our counselors will work with your creditors to possibly reduce finance charges, eliminate late fees and over-limit fees, reduce monthly payments and shorten the amount of time for full credit card payoff.

Why choose ACCC to help you eliminate credit card debt?

As you consider the best way to eliminate your credit card debt, ACCC offers a number of benefits. Our counselors are highly trained and independently certified, and they’re experts at creating solutions designed for your particular financial situation. Initial consultation and credit counseling is free and the fees for our services are quite low – as a nonprofit organization we strive to provide the lowest rates in the industry. We offer reliable solutions and superior customer service, handling everything for you from financial evaluation to payment of your funds. In addition to helping our clients eliminate credit card debt, we provide a wide range of services that can help you take control of your finances and achieve your financial goals. Our website is full of free educational resources and financial tools that can help you manage money more effectively.

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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