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


Pre-Bankruptcy Client

Post-Bankruptcy Client

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.


Home buying process

Simplify the home buying process with ACCC.

For anyone new to the real estate market, the home buying process can seem like a confusing jumble of terms, tasks and paperwork. First-time buyers are often shocked by how many choices they have to make – from the selection of a realtor and a mortgage lender to the down payment and type of mortgage product. If they’re not careful, first-time buyers can make significant mistakes in the home buying process that can cost them thousands of dollars or even prevent them from closing on the home of their dreams.

A first home buyers course can help by educating buyers about all aspects of the home buying process. From deciding how much house they can afford and managing their credit rating to negotiating with sellers and mortgage lenders, the right home buyer course can bring great clarity to the process of buying a home.

When you want assistance navigating the home buying process, American Consumer Credit Counseling (ACCC) offers education and counseling services that deliver much-needed help for first time buyers.

Premier education for the home buying process

ACCC is a nonprofit organization that helps consumers achieve financial health by reducing and managing debt, and provides homebuyer education and housing counseling to help consumers reach their housing goals.

Our in-person and online home buyers course provides a comprehensive look at the home buying process. The course covers every aspect of purchasing a home, from the first decision if homeownership is affordable to signing the last page of the mortgage package. The online course is available on smart phones and tablets, enabling buyers to learn about the home buying process on their lunch breaks, between appointments or anytime and anywhere they have a few moments to themselves.

ACCC’s homebuying course also provides participants with a certification that can help them qualify for special loan programs designed for first time home buyers. These mortgages typically have low interest rates and more advantageous terms than standard mortgage programs.

How ACCC helps you navigate the home buying process with ease.

When you come to ACCC for help understanding and moving through the home buying process, you will learn:

  • How to evaluate and compare mortgage products and determine which type of loan is right for you.
  • How your credit ratings affect the mortgage packages you qualify for.
  • How to determine how much you can afford each month in mortgage payments, and how to set a budget to ensure you meet that obligation.
  • How to work with a realtor and how to select a lender.
  • How to prepare for closing to make sure that everything goes right on the day you take possession of your home.
  • How to get answers to your questions like “What is an adjustable rate mortgage?” or other housing related services such as “What is reverse mortgage?”

Learn more about how ACCC helps make the home buying process easier.

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