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.

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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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Unsecured credit card debt

Get rid of unsecured credit card debt.

Large amounts of unsecured credit card debt can wreak havoc on your finances. When you have a large amount of unsecured credit card debt, your credit rating may suffer and you may have trouble getting loans, renting an apartment, or securing a mortgage. Then there’s the stress of making your monthly payments to multiple creditors, and juggling your finances to try to keep up with all your unsecured debt obligations.

When you’re ready to get rid of unsecured credit card debt, American Consumer Credit Counseling (ACCC) can help. Our nonprofit organization was founded to help consumers find unsecured debt relief by paying off credit cards, loans and other unsecured debt, and learning to live life debt-free. Our certified credit counselors can help you put together a plan for paying off your unsecured credit card debt and avoiding new debt in the future. Your initial credit counseling consultation is free – contact us today to begin paying off credit card debt right away.

Why choose ACCC for help with unsecured credit card debt?

When you’re looking for help getting rid of unsecured credit card debt, there are many reputable debt reduction companies who can assist you. Here’s why you should choose ACCC:

  • We have over 20 years of experience in helping consumers find their way out of debt. Our counselors are highly trained and have helped thousands of people just like you make a plan to pay off unsecured credit card debt.
  • We provide confidentiality and security – your personal financial information is completely safe with us.
  • We offer free credit counseling and keep our program fees as low as possible. We waive fees for financial hardship and for active service members of the United States military.
  • Credit counseling is available six days a week by telephone or in person.

Eliminating unsecured credit card debt with a debt management plan.

Depending on your financial situation, a debt management plan may be the best method of eliminating credit card debt. This highly effective strategy for reducing credit card debt and other unsecured debt involves consolidating all your monthly debt payments into a single payment to us. We then make payments to your individual creditors on your behalf, helping to simplify your finances and making it easier to keep up with your monthly payment. We also work with your credit card companies to seek reductions in interest rates, finance charges, and other fees. Using a debt management plan, most of our clients are able to resolve their credit card debt problems more quickly – usually within five years.

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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