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Consolidate Debts

Preparing for Your Counseling Session to Consolidate Debts

When you're ready to meet with your credit counselor at American Consumer Credit Counseling (ACCC) to consolidate debts, you need to be prepared to provide financial information that will help your counselor assess your situation accurately.

Before you call for consolidating debts, gather the following information and have it handy during your appointment:

  • Paystubs from your job
  • Copies of your monthly bills, such as rent or mortgage, car loans, insurance, telephone, and electricity
  • All of your outstanding credit card statements and payments due on other unsecured debts

Please note that you need to provide the account numbers for your statements during your session to consolidate debts. Your counselor will also need the total balances of your unsecured debt accounts, your monthly payments, and the amounts you pay for your other monthly bills.

Make sure that the information you have is as current as possible to help your credit advisor explore options that will work effectively within your financial means.

Sharing Information During Your Session to Consolidate Debts

At ACCC, our counselors keep your financial information confidential. We use the information during your session only for evaluating your circumstances and recommending solutions to consolidate debts. If we suggest a debt management program and you choose that option, we also use the information to work with your creditors on a consolidated credit plan.

What Happens after Your Session to Consolidate Debts?

After your appointment to consolidate debts, your counselor creates a proposal to send to your creditors. Creditors do not accept every proposal for consolidation of debt, in fact various criteria must be met before a proposal is accepted.

Through creditor concessions you will receive reduced interest rates resulting in a lower monthly payment. This is especially beneficial when you consolidate credit card debt because through a debt management plan you will reduce the amount of payoff time and the total amount of interest paid.

Are you ready to get on the road to financial freedom? If the answer is "Yes, I want to consolidate my debt!" Then call with one of ACCC's credit counselors for more information about how our debt management program can help you achieve your goals. Our goal in our program to consolidate debts is to release you from debt in the shortest amount of time possible.

American Consumer Credit Counseling (ACCC) is a leading source for personalized debt management advice and programs to consolidate your debt. If you are interested in consolidating debts, contact one of ACCC's credit advisors to learn how to consolidate bills without having to take a consolidation loan as would be suggested by some other debt relief agencies. As a Better Business Bureau accredited credit counseling agency, you can count on ACCC for fair and honest help with credit issues. We are also approved by the Department of Justice to provide pre-bankruptcy counseling and post-bankruptcy credit counseling courses.

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