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 Pay Down Credit Card Debt

ACCC can show you how to pay down credit card debt.

If you want to know how to pay down credit card debt, you’ll find a lot of people offering answers. From credit card companies with balance transfer options to lenders offering debt consolidation loans; there are plenty of people willing to charge a great deal to show you how to pay down credit card debt.

American Consumer Credit Counseling (ACCC) is different. As a non-profit organization, we offer free credit counseling, help with credit card debt, and the fees for our services are among the lowest in the industry. Over the past 22 years, we’ve shown thousands of people just like you how to pay down credit card debt and manage money more effectively. Our credit counselors are professionally trained and independently certified, and available six days a week to answer your questions about how to pay down credit card debt and live a debt-free future. Contact us today for a free, no-obligation consultation – it’s the first step in learning how to manage debt.

How to pay down credit card debt with a debt management program.

In your first consultation with our credit counselors you’ll not only learn how to pay down credit card debt, you’ll get a complete evaluation of your financial situation. We’ll also assist you in creating a budget that will help you manage your finances and pay off debts. Depending on your financial situation, we may suggest enrolling in a debt management program to help you pay off credit card debt more quickly.

In our debt management program, you’ll no longer make monthly payments to all your creditors. Rather, you’ll make a single payment to us and we’ll send money to your creditors on your behalf. With just one payment to make each month, you’ll find that managing your money is much simpler and the stress of too much credit card debt is lower. We’ll also work for possible reductions in interest rates on your credit card balances, as well as reductions in finance charges, late fees and over-limit fees. This will lower the total amount you owe, helping to pay down your credit card debt more quickly. Most of the clients in our debt management program are able to pay down debt in five years or less.

Learn how to pay down credit card debt, understand your credit score and more.

In addition to credit counseling and debt management programs, we offer a variety of free educational resources on our web site. You’ll find financial tools, calculators and articles on how to reduce debt, how to create a budget, how to read a credit score, how to determine how much house you can afford, and much more.

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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Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

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