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 to Get out of Debt

How to get out of debt – it’s a question on the minds of many in the wake of the recent financial crisis. The downturn in the economy left many people with high credit card debt and unsecured personal loans. Living with too much debt can be stressful, particularly if you’re forced to take a second job or work overtime in order to make your payments.

For anyone trying to figure out how to get out of debt, American Consumer Credit Counseling (ACCC) offers debt management programs that can help you take control of your finances, show you how to get out of debt and live a debt-free future. As a non-profit organization, we’ve helped tens of thousands of families solve their debt problems through credit card debt relief programs and other debt management services. Contact us today to learn more and to schedule a no-cost consultation with our professional debt counselors.

ACCC can show you how to get out of debt.

There’s no secret or silver bullet for how to get out of debt – it’s a methodical but manageable process that thousands of individuals and families undertake each year. When you come to ACCC to learn how to get out of debt, our certified professional counselors will work with you to:

  • Evaluate your finances and get a clear picture of what you owe.
  • Make a budget and a plan for getting out of debt faster – usually within five years.
  • Consolidate your debts so you can make a single payment each month. Debt relief consolidation helps to simplify your finances and take some of the stress out of owing money.
  • Contact creditors for possible reduction in interest rates, late charges, other fees and the time it will take to pay off your debt.

We also offer a broad range of educational resources, from personal consultation to newsletters to our website. You’ll find information and tools that can help you better manage your money, avoid debt and get answers to questions like “how do you consolidate debt?”, “how can I improve my financial situation?”, “what are credit card debt consolidation loans?” and more.

How to get started on the path out of debt.

Getting started is easy – simply contact us today and speak with a certified debt counselor for a free, no obligation consultation about your debt situation. Our counselors are available weekdays, evenings and weekends to answer your questions and show you the process for how to get out of debt.

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-to-get-out-of-debt
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=how-to-get-out-of-debt&page=
Loaded Template: single-resource-pages.php