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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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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Rebuilding Credit

Get help rebuilding credit and paying down debts.

If you’re interested in rebuilding credit and paying off your debt, American Consumer Credit Counseling (ACCC) can help. We offer credit counseling services and a variety of tools and programs for rebuilding credit and eliminating debt. Since 1991, we’ve helped thousands of individuals and families find their way out of financial trouble with credit counseling tips, educational materials, the option of a debt management plan, and other services. As a nonprofit organization, our initial credit counseling sessions are free, and the fees for our debt management services are among the lowest in the industry. Call today to speak to a professionally trained and certified credit counselor to learn how you can start rebuilding credit and working toward a debt-free future.

Start rebuilding credit – contact our credit counselors.

What do credit counselors do to help you rebuild your credit? At ACCC, our credit counselors first speak with you in a free consultation to review your finances and get a clear picture of your income, expenses, and assets. Then we show you a variety of options for rebuilding credit and paying down your debt based on your goals and your financial situation. These may include referrals to social service agencies, educational options, money management strategies like whether to pay a secured vs unsecured loan first, and more. And depending on your situation, we may recommend a debt management plan, which is one of the most effective ways of rebuilding credit and getting out of debt quickly – usually within five years.

Rebuilding credit with a debt management plan.

A debt management plan can help with rebuilding credit by ensuring regular payments to creditors and by eliminating your debt over a period of time. With a debt management plan from ACCC, instead of making lots of payments to many creditors each month, you’ll make just one payment to us, and we’ll pay your creditors for you. This simplifies your finances and makes it easier to stay current with your payments, rebuilding trust with your creditors.

What does a credit counselor do in a debt management plan? Your credit counselor will handle all your payments to your creditors. He or she will also contact your creditors to seek reductions in interest rates and fees on your loans and credit cards, helping to reduce the amount you owe so you can pay it off faster. With help from your ACCC credit counselor, you can start rebuilding credit today and take the first steps toward living life debt-free.

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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