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 for us to call you.


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


Pre-Bankruptcy Client

Post-Bankruptcy Client

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 Settle Credit Card Debt

Want to know how to settle credit card debt?

When you owe lots of money to credit card companies, knowing how to settle credit card debt effectively can help relieve your financial stress and become debt-free more quickly.

Credit card settlement is a debt relief strategy where you stop paying your monthly credit card bills and, when the credit card companies are concerned you may go bankrupt, you offer a credit card lump sum settlement that is less than the total of what you owe. Sometimes this strategy works, and consumers can settle their debt for 25% to 80% of their credit card balance. But sometimes it doesn’t work, and consumers are left with even more debt – and with legal bills as well. Either way, the credit card settlement process will likely ruin your credit rating and make it hard to apply for loans or get credit for years to come.

Before pursuing credit card debt settlement or entering into contracts with credit card settlement companies, it’s a good idea to get professional advice about how to settle credit card debt most effectively. That’s where American Consumer Credit Counseling (ACCC) can help.

Get advice on how to settle credit card debt from ACCC.

As a nonprofit organization, ACCC is dedicated to helping consumers find the best path out of debt and develop the skills to stay out of debt in the future. We offer free credit counseling where you can speak with a certified counselor to take a look at your finances and learn how to settle credit card debt or pay down credit card debt most successfully. Our counselors are experts at helping you understand all the different options for how to settle credit card debt, and they can answer your questions about the pros and cons of negotiating credit card settlement versus declaring bankruptcy or pursuing other ways of paying off debt.

How to settle credit card debt without ruining your credit.

When you want to explore how to settle credit card debt without damaging your credit rating, a debt management program may be the right choice. With a debt management plan, you’ll learn how to settle credit card debt without stopping payments or defaulting on your financial obligations. You’ll work with our credit counselors to create a budget you can live with while you pay off your debt quickly – usually within 60 months. And you’ll get assistance from our team to stay on the path out of debt and to develop the skills you’ll need to avoid debt in the future.

Contact us today to learn how to settle credit card debt most effectively and begin your journey out of 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
Dev Tool:

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