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 debt relief

Get unsecured debt relief.

When you have large amounts of unsecured debt like high credit card balances or personal loans, your financial situation can quickly spiral out of control. Some days, it may seem like it’s all you can do just to keep up with minimum payments – you may feel like you’ll never find your way out of debt.

Fortunately, there are plenty of options for unsecured debt relief. From credit card debt settlement strategies to consolidation loans and debt management plans, unsecured debt relief can take many forms. It’s crucial to understand each approach, what it means for your credit, and how long it will take you to actually achieve unsecured debt relief.

When you need objective and expert advice about unsecured debt relief, the professional debt counselors at American Consumer Credit Counseling (ACCC) can help.

Why come to ACCC for unsecured debt relief?

ACCC is a nonprofit organization – our mission is to help people like you find unsecured debt relief and make a plan to live a debt-free future. We offer free credit counseling and we provide debt management services for fees that are about as low as they come. Our counselors will review your financial situation and outline the options available to you, providing debt settlement advice and the sharing their thoughts about the pros and cons of other approaches you might consider.

Since our founding in 1991, we have helped thousands of consumers create a debt reduction plan to achieve unsecured debt relief by paying off loans and eliminating credit card debt. Our counselors are available six days a week by phone, or in person. Contact us today for a free, no-obligation credit counseling session to discuss your options for unsecured debt relief.

Our most effective unsecured debt relief plan.

After reviewing your financial situation, our counselors may recommend a debt management plan. We have found this to be one of the most effective paths to unsecured debt relief. In a debt management plan, we consolidate all the payments you make each month on unsecured credit card debt into a single payment that you make to ACCC. We pay your creditors for you, making sure all payments arrive on a time. Not only does this make it easier to keep track of your debt payments, it gives us the opportunity to seek reductions in the finance charges, interest rates, over-limit fees and other fees your creditors are charging you. By reducing credit card debt in this way, we help you pay off your debt faster and find unsecured debt relief – usually within five years or less.

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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