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.


How do I pay off credit card bills?

When your credit card balances are rising and you can’t seem to get control of your finances, it’s likely that the burning question on your mind is “How do I pay off credit card bills?”

There are many approaches to paying credit card debt. With debt consolidation plans, the strategy is to pay off credit card debt with a loan, ideally at a lower interest rate than your existing credit card accounts. You may also consider a credit card settlement process where you ask your credit card companies to forgive a portion of you owe in exchange for bringing your account to zero with a lump sum payment. For many consumers, a debt management plan is the answer to “How do I pay off credit card bills without damaging my credit rating?”

How do I pay off credit card bills?

  • Compile a list of debts, like credit card debt, from largest to smallest in terms of each’s interest rate.
  • Count up your average monthly income from all sources.
  • Assign money from the average income you calculated in order to reach each’s minimum monthly payment.
  • Put any funds left over that aren’t marked for savings toward the account with the highest interest rate.

How do I pay off credit card bills – permanently?

But the real question you should be asking is not “How do I pay off credit card bills?”, but rather “How do I pay off credit card bills most effectively and learn to avoid debt in the future?” Many consumers who choose debt consolidation and debt settlement find themselves just as deeply in debt after a year or two. In most cases, this is because their financial troubles prevented them from qualifying for low interest rates on new loans, or because they didn’t enter these debt reduction strategies with enough knowledge about how to make them work.

How do I pay off credit card bills with help from ACCC?

When you want solid, objective answers to the question “How do I pay off credit card bills?”, the professional credit counselors at American Consumer Credit Counseling (ACCC) can help. As a nonprofit organization, we provide free credit counseling to individuals and families struggling to find their way out of debt. When you contact us via phone or in-person, our certified counselors will share with you strategies for paying off debt and help you determine which approach will be most effective for you. In addition to answering questions like “What are my credit card debt options?” and “How do I pay off credit card bills without falling back into debt?”, we’ll direct you to a variety of free educational resources that can help you manage your money more effectively and help you reach your financial goals.

Contact ACCC’s certified credit counselors to get answers to questions like “How do I pay off credit card bills?”, “What is my debt to income ratio?” and “Where can I get a debt consolidation loan?”

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: how-do-i-pay-off-credit-card-bills
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=how-do-i-pay-off-credit-card-bills&page=
Loaded Template: single-resource-pages.php