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 Reduce Credit Card Debt

Find out how to reduce credit card debt today.

Worried about how much money you owe? Want to know how to reduce credit card debt or pay off debts completely? Contact American Consumer Credit Counseling (ACCC) today. As a non-profit organization dedicated to helping consumers with debt and credit problems, we can show you how to reduce credit card debt, how to take control of your finances and how to live debt-free in the future. Our credit counselors can show you a variety of ways to pay off debt, and help you understand how to reduce credit card debt more quickly. In fact, most of our clients are able to eliminate credit card debt within five years.

There’s no charge for your initial credit counseling session. You will only be charged a fee if you choose to enroll in our debt management program, and they are very reasonable – we strive to keep our rates as low as possible. Contact us today for free, no-obligation consultation where you’ll learn strategies for how to reduce credit card debt and live a debt-free life.

How to reduce credit card debt with ACCC.

ACC C is the agency of choice for individuals and families who want to know how to reduce credit card debt. Over the past 22 years we’ve helped tens of thousands of people just like you find their way out of debt. In addition to credit counseling and debt management services, we offer many free educational resources on our website – financial tools, calculators and articles on topics that range from how to afford a home to how to manage a budget and how get out of debt for good.

In your first consultation with our professionally trained and independently certified credit counselors, you’ll get a complete evaluation of your financial picture. Our counselors will also help you develop a budget that you can live with while you payoff credit card debt. And if the situation is right, they may also recommend a debt management program – one of the most effective strategies for how to reduce credit card debt.

How a debt management program can help you reduce credit card debt.

When you enroll in ACCC’s debt management program, you’ll no longer make monthly payments to a wide variety of creditors. Instead, you’ll make one payment to us and we’ll pay credit card debt on your behalf. In addition to simplifying your finances and reducing the stress of owing money, this enables you to keep current with your payments more easily as you’ll have just one check to write each month. As we pay bills on your behalf, we’ll also work with your creditors to reduce finance charges, interest rates and fees, helping to save you money and pay off your debt more quickly.

Learn more about how to pay down debt with ACCC – contact us today for a free consultation.

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