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.


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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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Pay Down Credit Card Debt

Need to pay down credit card debt?

When you find you have too much credit card debt and need a way to pay down credit card debt quickly, you’ll find a lot of agencies offering to help. From credit card companies offering balance transfers to banks offering debt consolidation loans, there are many strategies available to you to pay down credit card debt. The problem with many of these solutions is that they often leave you deeper in debt. They may charge high interest rates or transaction fees, or require you to take on new liabilities like a home equity loan in order to pay down credit card debt.

Get help from ACCC; pay down credit card debt.

For a better way to pay down credit card debt, consider the services and programs available from American Consumer Credit Counseling (ACCC). We’re a non-profit organization devoted to showing consumers how to pay down debt and live a debt-free life. We offer free credit counseling and very affordable debt management services – especially when compared fees most for-profit agencies will charge to help you pay down credit card debt. Contact us today to schedule a free consultation – you’ll learn a lot about your options for how to get rid of credit card debt, and there’s no obligation to continue if you’re not satisfied.

Pay down credit card debt more quickly with a debt management plan.

When you first meet with our professionally trained and independently certified credit counselors to discuss ways to payoff credit card debt, we’ll evaluate your current financial situation. You’ll get a detailed review of your income, assets and expenses, as well as options for paying down debt based on your financial goals and situation. These may include social service referrals, educational materials and resources and, if it’s the best option for you, a debt management plan.

Under our debt management plan, you’ll consolidate all the monthly payments you make to credit card companies and other creditors. You’ll make just one payment to ACCC and we’ll disburse funds for you. In this way, we help to simplify your finances and take some of the stress out of managing your money and getting out of credit card debt, so you can focus on other things in life. We’ll also work to secure possible reductions in the interest rates your credit card companies are charging you, as well as finance charges, late fees and other charges. By helping you save money and making it easier to keep up with your monthly payment, a debt management plan can help you pay down credit card debt more quickly. Most of our clients are able to pay down credit card debt in five years or less.

Learn more about how to reduce credit card debt – schedule a free consultation today.

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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