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Credit card debt elimination

Where to find help with credit card debt elimination.

Credit card debt elimination is an important part of a secure financial future. Too much credit card debt may prevent you from qualifying for a mortgage, from getting an apartment rental, or from securing a car loan. And it can make it hard to save for college, retirement, or things you want to buy in the future.

But dealing with credit card debt can be tough to manage on your own, especially if you owe a lot of money to a lot of different credit card companies. When you need credit card debt advice and help with credit card debt elimination, American Consumer Credit Counseling (ACCC) can help.

Why choose ACCC for credit card debt elimination.

ACCC is a nonprofit organization that specializes in helping people regain control of their finances through credit card debt elimination and other financial strategies. We offer free credit counseling and low-cost debt elimination services that can help you lower credit card debt, pay off unsecured loans, and get out of debt once and for all.

Our highly trained credit counselors work with you to get a complete picture of your financial situation and lay out all the options available to you for credit card debt elimination. Counseling is available in person and over the phone. We also provide a wide variety of free educational resources on our website on topics such as budgeting, preparing for retirement, buying a home, bankruptcy and credit card debt.

Credit card debt elimination in four steps.

Depending on your financial situation, our counselors may recommend a debt reduction plan, better known as a debt management plan, as the best way to achieve credit card debt elimination. A debt management plan involves four steps:

  • Evaluation. Our counselors will speak with you to get a clear picture of your financial situation and make a credit card debt elimination plan.
  • Budgeting. We'll help you establish a budget that you can live with while you work on credit card debt elimination.
  • Consolidation. We'll consolidate all of your payments to credit card companies into a single payment to ACCC. You'll make just one payment each month to us, and we'll pay the credit card companies for you. This makes it much easier to keep up with your payments – and it's a lot less stressful, too.
  • Reductions. We'll approach your creditors to ask for reductions in interest rates, finance charges, and other fees. This helps to reduce the amount you owe and lets you pay it off faster.

With a debt management plan, most of our clients are able to achieve credit card debt elimination within five years. As opposed to a credit card debt settlement arrangement, a debt management plan will not damage your credit rating in the long run.

American Consumer Credit Counseling (ACCC) is a non-profit debt relief agency offering consolidated credit counseling and consumer debt solutions. If you have debt to consolidate, we can help you consolidate credit without taking a loan or paying high fees like some debt management companies charge. A fair, effective debt reduction service, our debt management program simplifies your payment responsibilities and often results in reduced interest rates from your creditors. As a leading national debt consolidation firm, ACCC has also been approved by the Department of Justice to provide credit counseling for bankruptcy both the pre-bankruptcy credit counseling certificate and the post-bankruptcy debtor education. Homepage Footer: American Consumer Credit Counseling (ACCC) is a non-profit credit counseling agency and debt consolidation company that provides help to anyone who is asking, "How do I get out of debt?" Our services include credit counseling, financial education, debt consolidation and debt reduction services for consumers nationwide. Our certified credit counselors have helped thousands of individuals and families find debt relief through debt management plans that consolidate debts and debt payments to pay off credit cards and eliminate debt. We also provide bankruptcy counseling and bankruptcy debtor education services, including pre bankruptcy credit counseling for a bankruptcy certificate.

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