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.


Managing Credit Card Debt

Need help managing credit card debt?

If you’re having trouble managing credit card debt and are looking for assistance, American Consumer Credit Counseling (ACCC) has answers. We’re a non-profit organization that provides credit counseling and debt management services for individuals and families throughout the U.S. who want to pay down credit card debt. Our professional credit counselors can provide strategies for managing credit card debt, taking control of your finances and living a debt-free life. And because we’re a non-profit, our fees are consistently lower than other agencies in the debt management industry and we offer free credit counseling. If you need help managing credit card debt, contact us today for a free, no-obligation meeting and learn how to get out of credit card debt.

ACCC makes managing credit card debt easier.

Managing credit card debt can be easy when you have the right help, and our independently certified credit counselors are experts at showing you how to pay down credit card debt. One of the most effective tools for managing credit card debt is our debt management program. When you enroll in this plan, we’ll first evaluate your entire financial picture and help you create a budget for managing your living expenses while paying down your credit card debt. Next, we’ll consolidate all of the monthly payments you make to credit card companies into a single payment to ACCC, and we’ll in turn disburse money to creditors on your behalf. This allows you to simplify your finances, keep current with payments more easily, and reduce the stress of managing so many payments to different companies each month. We’ll also work with your creditors for possible reductions in finance charges, interest rates, and fees, saving you money and settling credit card debt more quickly. Most of our clients are able to eliminate their credit card debt within five years.

Learn more about managing credit card debt, budgets and finances.

In addition to professional credit counselors, we offer free educational resources on our website that include a multitude of tools, financial calculators and articles on a wide variety of topics, including how to manage a budget, how to figure out how much house you can afford, how to pay off a credit card without taking on new loans, and much more. You can also learn about different approaches to paying off or managing credit card debt, and why those schemes that promise to show you how to get out of debt fast may actually drive you deeper into 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

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