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.


Financial Planning Worksheet

Organize your finances with ACCC’s financial planning worksheet.

When you want financial advice to organize your finances and get a better understanding of how you are spending money, a financial planning worksheet from American Consumer Credit Counseling (ACCC) can help.

Our financial planning worksheet will help you gain a clear picture of your financial situation and enable you to better make decisions based on your financial goals. Our worksheet includes separate sections for:

  • Tracking daily expenses.
  • Budgeting for your household.
  • Paying bills.
  • Identifying your personal assets.
  • Evaluating your net worth.
  • Organizing your financial records.
  • Determining your debt-to-income ratio.

With ACCC’s financial planning worksheet, you’ll be on your way to reducing debt, managing money more effectively and reaching your financial goals.

Working with a counselor on your financial planning worksheet.

ACCC is a nonprofit organization offering confidential consumer credit counseling services to individuals and families nationwide. In addition to a financial planning worksheet, we provide free credit counseling, educational materials and a low-cost debt management plan that can help you get out of debt more quickly. With credit counseling experience since 1991, we are dedicated to helping people regain control of your finances and make a plan for a debt-free future.

In your free credit counseling session, our counselors can work with you to fill out a financial planning worksheet that will give you a clear view of your financial picture. You’ll get a detailed review of your income, assets and expenses along with personalized options for ways to reach your financial goals. Our highly trained and certified counselors can help to explain the pros and cons of consolidating loans, explore the best way to consolidate credit cards, and direct you to the best resources for student loan assistance.

Putting your financial planning worksheet to work.

Once you’ve completed your financial planning worksheet and have a clear understanding of your finances and your debt, you may want to consider a debt management plan with ACCC. Rather than consolidating loans by taking on new debt, a debt management plan lets you consolidate payments to simplify your finances and retire your debt more quickly.

In a debt management plan, rather than paying your individual creditors each month, you’ll make one payment to ACCC and we’ll pay all of your creditors for you. With just one convenient payment to make each month, you’ll experience less stress and will find it easier to make your payments on time. And we work with your creditors for a possible reduction in monthly payments, finance charges, late fees and over-limit charges to help reduce the total amount of money you owe and let you pay off your debts more quickly.

Learn more about ACCC’s financial planning worksheet, access a debt consolidation calculator or explore student loan solutions on our website.

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