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.


Help With Debts

Need help with debts?

If you’re looking for a way out of debt, you’re not alone. The recent financial crisis left many individuals and families in a difficult financial position and needing help with debts. Whether the balances on your credit cards are too high or you owe too much money on unsecured loans, debt can quickly become overwhelming and make you feel like you’ll be paying off creditors for the rest of your life.

American Consumer Credit Counseling (ACCC) can help. We’re a non-profit organization that provides help with debts to individuals and families just like you. In fact, since 1991 we’ve provided help with debts to tens of thousands of people. Our debt reduction services are tailored to address your unique needs and your financial challenges. Contact us today to speak with a professional financial counselor about a debt management program that can provide help with debts.

How does a debt management program help with debts?

A debt management or debt reduction program with ACCC provides help with debts in four simple steps. First we evaluate your financial situation, including your income, monthly expenses and the total amount you owe to creditors. Next we help you create a budget – something you can live with, but one that will allow you to start getting rid of debt right away. Then we work with your creditors for a possible reduction in your interest rates, finance charges, over-limit fees and the amount of time it will take to pay off your debt. Finally, we consolidate your debt – you make one payment to ACCC, and we make disbursements to creditors on your behalf. Consolidating credit cards and other unsecured debts helps simplify your finances and makes it easier to stay current with your payments. The results? Most people we work with are able to be debt free within five years.

Why get help with debts from American Consumer Credit Counseling?

There are a number of great benefits in coming to ACCC for help with debts. Our debt solutions enable you to:

  • Reduce interest rates, late charges and over-the-limit fees.
  • Pay off debts faster – usually within five years.
  • Make one convenient payment each month instead of many payments to multiple creditors.
  • Create a budget that works for you.
  • Stop worrying about your debts and your finances.
  • Take advantage of free educational resources that can provide answers to questions like:
    • “How can I plan for the future more effectively?”
    • “What can I do to avoid debt?”
    • “What is debt consolidation?”
    • “How can I improve my credit score?”
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: help-with-debts
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=help-with-debts&page=
Loaded Template: single-resource-pages.php