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.


Reducing credit card debt

Tips for reducing credit card debt.

When you’re looking for ways of reducing credit card debt or want to know how to pay off credit cards fast, you’ll find lots of tips and suggestions everywhere you turn. There are plenty of companies out there ready to help you with a debt settlement arrangement or a credit card consolidation loan. And you’ll find no shortage of online advice columns and blogs about the best debt reduction strategies. But reducing credit card debt effectively – without damaging your credit rating or taking on new loans – isn’t necessarily something that’s easy to manage on your own. That’s where the professional and certified credit counselors at American Consumer Credit Counseling (ACCC) can help.

Reducing credit card debt with ACCC.

As a nonprofit debt relief center, ACCC is dedicated to helping individuals and families take control of their finances by reducing credit card debt, paying off loans, and learning to live life debt-free. Over the past 20 years, we’ve helped thousands of consumers just like you develop strategies for reducing credit card debt. In fact, most of our clients are able to pay off their credit cards within five years.

Our highly trained credit counselors will help you sort through the pros and cons of all the possible strategies for reducing credit card debt, including credit card consolidation, bankruptcy, debt settlement arrangements, and debt management plans. Because we’re a nonprofit organization, your initial credit counseling session is free, and our fees to help with reducing credit card debt are among the lowest in the industry. Our goal is simple – to help you get out of debt while preserving your credit rating.

How a debt management plan helps with reducing credit card debt.

A debt management plan is one of the most effective ways of reducing credit card debt – it’s an option we recommend often, depending on a client’s financial situation. In a debt management plan, we consolidate all of your payments on unsecured credit card debt into one easy monthly payment made to us. We then disperse your payments to your creditors on your behalf, making it simple for you to stay current with your debt obligations. This also allows us the ability to approach your creditors to seek reductions in interest rates and finance charges, and to stop late fees over-limit charges so you’ll be reducing credit card debt more quickly. Unlike other options for reducing debt, a debt management plan lets you eliminate credit card debt without taking on any new loans or destroying your credit rating.

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