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How Do I Get out of Debt?

For many people, debt may seem like a crushing weight. The more behind they get on their payments, the deeper into debt they fall. For thousands of individuals and families, getting out of debt and living a debt-free life may seem like an impossible dream.

For anyone who's ever wondered "how do I get out of debt?", American Consumer Credit Counseling's (ACCC) debt management program can help you get out of debt in most cases within five years. Through budgeting, counseling, education and debt relief consolidation, our professional credit counselors can not only give you answers to the question "how do I get out of debt?", but can help you put together a plan to manage money more effectively and lead a life free of debt and the stress that accompanies it.

How do I get out of debt with ACCC?

As a non-profit organization and a leading provider of credit counseling and debt management services, ACCC has helped tens of thousands of families and individuals eliminate and reduce credit card debt. Here's how we do it:

  • Debt consolidation. By consolidating credit cards and other unsecured debts into a single monthly payment, we can help you manage your debt more easily, eliminating the stress of owing money to multiple creditors. You make one easy payment to us, and we disperse money to all of your creditors.
  • Reducing your payments. Our expert financial counselors work with your creditors for a possible reduction in interest rates, late fees, finance charges and over-limit fees on credit card debt while also reducing the amount of time creditors will allow for repaying your debt. And because we're a nonprofit organization, our services are affordable for nearly everyone.

How do I make a plan to get out of debt?

In addition to debt consolidation, our debt management counselors can help you put together a budget to manage your finances more effectively. We also provide access to a rich collection of educational resources to help you learn more about managing money, getting out of debt and planning for a strong financial future. For anyone asking the question "how do I get out of debt and stay out of debt?", our educational services provide an excellent resource.

How do I get started?

If you've been wondering "how do I get out of debt?", the answer is as easy as making a phone call. To start your debt management plan with ACCC, or to get more information, just call 1-800-769–3571, or click here to get started online.

For individuals and families trying to figure out how to pay off debts, American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, credit card reduction and consumer debt management services for consumers nationwide. Our certified credit counselors provide financial education for anyone wanting to learn how to get out of debt and how to eliminate credit card debt. As alternative to expensive debt restructuring services and credit card debt consolidation loans, our debt management plans are a kind of credit card relief program that have helped thousands of people pay down credit card debt by consolidating payments and reducing interest rates and finances charges. We also offer bankruptcy counseling, housing counseling and other financial education services for help getting out of debt.

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