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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Help Getting out of Debt

For help getting out of debt, contact ACCC.

If you need help getting out of debt, American Consumer Credit Counseling offers debt management services that can help you find your way out of debt – usually within five years. As a non-profit organization, our professional credit counselors are experts at delivering solutions for individuals and families who need help getting out of debt. Since our founding in 1991, we’ve helped tens of thousands of people, showing them how to pay off debts, reduce credit card debt and live life debt-free. With the lowest rate structure of any debt management program, our services are affordable and convenient. If you’re ready to seek help getting out of debt, contact us today to set an appointment for a free consultation.

What kind of help does ACCC provide for getting out of debt?

The services our professional credit counselors provide for getting out of debt include:

  • Evaluation of your finances. Through discussions with us we’ll get a comprehensive picture of your financial situation, including your debts, expenses and income.
  • Planning and budgeting. We’ll work with you to create a budget that you can live with, while still being able to pay off your debt – within five years in most cases.
  • Debt relief consolidation. We’ll consolidate the money you owe so you can make a single payment each month to ACCC, and we’ll make payments to all of your creditors on your behalf. This enables you to stay current with your payments more easily, and reduces the stress of having to make separate payments to your creditors
  • Communication with creditors. We’ll work with your creditors for possible reduction in your interest rates, late fees, over-limit charges and the time it will take to pay off your loan.
  • Financial education. You’ll have access to a wide variety of educational resources for help getting out of debt. These include newsletters, articles and tools on our website that can help you manage credit card debt, budget your finances more effectively, learn about how to stay out of debt, and get answers to questions like “How can I improve my credit score?” and “What is debt consolidation?”

Why choose ACCC for help getting out of debt?

When you come to ACCC for credit card debt relief and assistance in getting out of debt, you’ll benefit from the many advantages of our debt management program, including:

  • Saving money by reducing interest rates and late fees.
  • Paying off your debt faster – usually within five years.
  • Reducing the stress of owing money – we handle all payments to and communication with your creditors.
  • Working with certified professionals – our staff are experts at finding solutions for people who need help getting out of debt.
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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