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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Help With Credit Card Debt

Need help with credit card debt?

If you’re struggling financially, American Consumer Credit Counseling (ACCC) provides credit counseling and plans that can help with credit card debt and provide debt relief. We’re a nonprofit organization dedicated to showing individuals and families how to pay down credit card debt and get control of their finances. With free credit counseling and affordable debt management programs, we not only provide help with credit card debt but offer educational resources that can help you live a debt-free life and manage money more effectively. If you need help with credit card debt and want to learn how to get out of debt fast – usually within five years – contact us today for a free consultation.

How ACCC can help with credit card debt.

When you come to ACCC for help with credit card debt, here’s what will happen. Our counselors will meet with you to get a complete picture of your finances – your income and expenses as well as your debts and assets. Then they’ll help you craft a workable budget, something that will cover your living expenses while you are getting rid of credit card debt. They may also suggest a debt management program to help with credit card debt. Under this plan, you can consolidate your payments to creditors into a single monthly payment to ACCC, allowing us to pay your creditors on your behalf. A debt management plan can help to simplify your finances – making just one payment per month makes it easier to keep up with your payments. And because we’re in contact with your creditors, it’s easier for us to seek possible reductions in late charges, over-limit fees, interest rates and finance charges. Because it can save you thousands of dollars and shorten your payoff time, this kind of plan is an excellent strategy for how to get out of credit card debt.

Why come to us for help with credit card debt?

When you’re looking for help with credit card debt, you’ll find lots of options. There are many businesses making a great deal of money by offering people various ways to pay off debt. ACCC is different – as a nonprofit organization, we’re in this to help people, not to make money off them. We offer free credit counseling – there’s no charge for your initial session with our credit counselors. The fees for our programs are among the lowest in the industry, and we provide a wealth of educational resources on our website, including topics that include how to make a budget, how to avoid debt, how to pay off credit cards and how to manage your 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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