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 Reduce Debt

How to reduce debt and pay off your credit cards.

If you owe a lot of money and want to know how to reduce debt quickly, you’ll find no shortage of people willing to help. But beware – many banks, credit card companies, and other agencies offering to show you how to reduce debt are more interested in making money off you then on helping you get free of debt completely.

American Consumer Credit Counseling (ACCC), on the other hand, is a non-profit agency dedicated to teaching consumers how to reduce debt and live life debt-free. Rather than charging high fees or interest rates on solutions for paying off debt, we offer free credit counseling and our rates on debt management services are among the lowest in the industry.

Over the past two decades we’ve taught thousands of individuals and families how to reduce debt and how to improve their financial situation. Your consultation is free – contact us today to take the first step in settling credit card debt and getting out of debt altogether.

Let ACCC’s credit counselors show you how to reduce debt.

Our credit counselors are professionally trained and independently certified. They are experts at showing people how to manage money more effectively and how to get rid of credit card debt.

In your first consultation, our counselors will work with you to get a complete analysis of your financial situation. They’ll evaluate your income and expenses as well as your debt and assets. Then they’ll work with you to help create a budget you can live with while you pay credit card debt down. Finally, they’ll help you make a plan for how to reduce debt, taking into account the unique needs of your financial situation.

How to reduce debt with ACCC’s debt management plan.

A large number of our clients are able to reduce debt more quickly with a debt management plan. Under this arrangement, you make one payment to us each month and we make payments to your creditors on your behalf. This helps keep your finances simple – you’ll have just one debt payment to make every month instead of payments to many creditors. It will reduce the stress of owing money and allow you to stay current with your payments more easily. This also gives us the opportunity for negotiating credit card debt by working with your creditors to seek reductions in interest rates, finance charges, late fees, and over-limit fees. This helps you save money and pay off debt more quickly – within five years in most cases. It’s a great strategy for anyone who wants to know how to reduce credit card debt more quickly.

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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