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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How to Get Rid of Debt

Let ACCC show you how to get rid of debt.

How to get rid of debt – it’s a question that many consumers with too much credit card debt are asking today. In the wake of the recent financial crisis, many people have found it difficult to manage their finances and pay off debts. With bills piling up and not enough income, many feel they just don’t know how to get rid of debt.

American Consumer Credit Counseling (ACCC) offers answers. We’re a nonprofit organization dedicated to showing people how to get rid of debt and live a debt-free future. From financial evaluation to budgeting to managing credit card debt, our professionally trained credit counselors offer a variety of solutions and can help you understand how to get rid of debt more quickly – usually within five years. We offer free credit counseling and our fees for debt management services are among the lowest in the industry. Contact us today to learn more about how to get rid of debt in a free, no-obligation consultation.

How to get rid of debt in three steps.

When you consult our credit counselors for help with getting rid of credit card debt, we will show you a three-step process for how to get rid of debt:

  • Evaluation. We’ll perform a complete analysis of your financial situation, taking a look at your debts and expenses as well as your income and assets.
  • Budget. We’ll help you to develop a budget that you can live with and one that lets you put aside some funds each month to pay down your debt.
  • Plan. Depending on your needs, we can show you how to get rid of debt through a debt management program tailored to your needs. A debt management plan can be an excellent strategy for how to pay down credit card debt without taking on a new loan.

How a debt management plan can help you get rid of debt.

In a debt management program from ACCC, you’ll consolidate all the payments that you’re making to creditors each month and instead make a single payment to ACCC. We’ll disburse funds to your creditors on your behalf, working with them to secure possible reductions in interest rates, finance charges, late fees and over-limit fees. These reductions will save you money and help you get rid of debt more quickly. With just one payment to make each month, you’ll find managing your finances to be much simpler and less stressful.

Our credit counselors can tell you much more about how our debt management program works and about other solutions for how to pay off credit cards and avoid 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

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