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 off Debts

Want to know how to pay off debts? Ask ACCC.

If the recent financial crisis left you owing too much money and you’re wondering how to pay off debts, you’re not alone. Millions of people today are struggling with the weight of high credit card balances or large personal loans and are looking for solutions for how to pay off debts.

American Consumer Credit Counseling (ACCC) can help pay off debt. Founded in 1991, we’re a nonprofit agency offering debt solutions to consumers who want to better manage or eliminate their debts. Over the last two decades, our professionally trained and independently certified credit counselors have helped tens of thousands of people just like you figure out how to pay off debts – in most cases, within five years. Our services are very affordable – as a nonprofit agency, our rate structure is among the lowest in the industry.

The first step is easy: a free consultation with a credit counselor to look at your situation and make a plan. If you’re tired of living with the stress of debt, contact us today to get started on strategies for how to pay off debts.

Affordable solutions for how to pay off debts.

When you get help with debts from ACCC, our professional credit counselors are experts at analyzing your financial picture and making a plan for how to pay off debts. In your first conversation your counselor will perform an evaluation of your financial status – what you owe and how much your income and expenses are each month. Then you’ll work with your counselor to create a budget that you can live with while getting rid of debt.

Depending on your financial evaluation, your counselor may suggest a debt management or debt reduction program. This plan for how to pay off debts involves consolidating credit cards, personal loans and other unsecured debts into a single amount, so you can make one payment each month instead of many payments to your creditors. By simplifying your debt through consolidation, you make it easier to keep up with payments, and it can help reduce the stress of owing money.

We’ll also work with your creditors for possible reductions in interest rates, late fees, over-the-limit charges and the time it will take to pay off debts, helping to save you money and pay off your debts faster.

The benefits of ACCC’s solutions for how to pay off debts

Working with ACCC to learn how to pay off debts offers many advantages:

  • You’ll save money with more affordable solutions and through possible reductions in interest rates and fees.
  • You’ll have the convenience of one easy monthly payment.
  • You’ll understand how to pay off debts more quickly – usually within five years.
  • You’ll get excellent services from expert credit counselors who are dedicated to showing people just like you how to pay off debts.
  • You’ll have access to a wide range of educational resources where you can get answers to questions like “How can I avoid debt?”, “How do you consolidate debt?” and “How can I better manage my money?”
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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