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.


Too much debt

What to do when you have too much debt.

Life can feel pretty tough when you are carrying too much debt. Whether you’re overwhelmed by bills and credit card balances or your loan payments are more than you can manage, having too much debt adds a great deal of stress to your life and makes it difficult to achieve your financial goals.

When you have too much debt, you’ll no doubt receive a lot of offers from companies who want to help you solve your financial troubles – for a price. From debt consolidators to debt negotiation and debt settlement to credit repair counseling companies, there are a lot of people looking to make a profit from your financial situation.

That’s why, when you are ready to stop carrying too much debt and regain control of your finances, it’s important to choose a non profit consumer credit counseling agency like ACCC.

Free credit counseling for people with too much debt.

ACCC, or American Consumer Credit Counseling, is a nonprofit credit counseling organization dedicated to helping people who are living with too much debt. We offer free credit counseling and low-cost debt management services, with fees that may be waived for individuals who can’t afford it. Our highly trained debt counselors are available by phone, and in person to help you get control of your finances and make a plan to stop carrying too much debt.

At your first credit counseling session, we’ll help you to analyze your finances and look at all the options available to you for paying off your debt. These may include social service referrals and, depending on your financial situation, debt management counseling.

Debt management is often a good option for people with too much debt. Rather than consolidating debts with a new loan (which is not always a good idea for people with too much debt or a poor credit rating), a debt management program lets you consolidate payments. You’ll also get the help you need to make a plan for paying down your debt, and the support you need to stick to it.

Benefits of a debt management program for consumers with too much debt.

For individuals with too much debt, a debt management program can help to:

  • Save money with a low-cost service for getting out of debt.
  • Potentially reduce monthly payments, interest rates and fees on your debts by allowing us to work with your creditors directly.
  • Simplify your financial life by making just one payment each month to ACCC, and allowing us to pay your creditors on your behalf.

Learn more about ACCC solutions for managing your finances when you have too much 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: too-much-debt
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=too-much-debt&page=
Loaded Template: single-resource-pages.php