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 with Credit

Get Help with Credit from the Credit Professionals

Do you need help with credit problems? American Consumer Credit Counseling (ACCC) can give you the expert assistance you need. A non-profit debt management company with more than 22 years of experience, ACCC provides consumers help with credit difficulties so they can turn their financial lives around and get on a path to a debt-free future.

How We Can Help with Credit Problems

There are many ways that unsecured personal debts can grow into a major challenge for individuals and families. ACCC offers a variety of services to help with credit problems, depending on your particular needs:

  • Free counseling session. A positive step forward if you’re having credit difficulties is to participate in a free counseling session with one of ACCC’s certified credit counselors. Our counselors are standing by for your call six days a week, ready to review your personal debt issues with you and offer professional advice about your options, including debt consolidation information.
  • Debt consolidation. If you want your debt consolidated, ACCC offers a debt consolidation program that doesn’t require you to take out a loan or pay hefty fees. How does debt consolidation work with ACCC? You make a consolidated payment to us each month and we pay your creditors. Creditors participating in the program will often lower your interest rates so your monthly payments are reduced and your pay-off period shortened.
  • Housing counseling. ACCC’s debt consolidation program is highly effective, but we’re not just a debt consolidation firm. We are also approved by the Department of Housing & Urban Development to provide counseling on the HECM reverse mortgage program nationally; and in Massachusetts we offer foreclosure counseling.

If your need for help with credit problems has reached the point where you’re considering bankruptcy, we also offer federally approved pre- and post-bankruptcy counseling services.

Count on ACCC for Help with Credit Problems

At ACCC we have the experience and expertise to help with credit issues that you may be facing. But what we take the most pride in is the caring, personalized service that we provide our customers. In the many positive debt consolidation reviews displayed in the About Us section of our website, a recurring theme is the comfort that customers feel with our friendly, courteous counselors. Debt can be a difficult subject to talk about, but your ACCC counselor will set you at ease and help you find a solution.

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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