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Credit Card Debt Solutions

Credit card debt solutions from ACCC.

Credit card debt is a serious concern for many individuals and families today. The recent financial crisis left many with more credit card debt than they can handle and seemingly few solutions for paying down their balances.

If you owe more on your credit cards than you can manage, American Consumer Credit Counseling (ACCC) offers credit card debt solutions that can help you pay off your cards and get out of debt faster – usually within five years. As a non-profit agency, our mission is to provide free credit counseling and affordable credit card debt solutions to people just like you. Since 1991, we've provided debt management solutions and credit card relief to tens of thousands of people, helping them get control of their finances and live life free of debt. Contact us today for a free, no-obligation evaluation of your situation and to learn more about our credit card debt solutions.

How our credit card debt solutions work.

Credit card debt solutions at ACCC involve a few simple steps. During your counseling session our credit counselors will evaluate your financial situation, including your debt, income and expenses. Then we'll work with you to set a budget that will enable you to pay off your debts more quickly. Depending on your situation, we may recommend that you consolidate credit card payments in a debt management program, where you'll make one easy payment each month instead of many payments to multiple creditors. We'll also work with your credit card companies for possible credit card negotiation that can lead to reduction in your interest rates, late fees and over-limit charges, helping you save money and reach your credit card payoff date faster.

Why choose ACCC for credit card debt solutions?

When you work with ACCC on credit card debt solutions, you'll benefit from:

  • Experience and expertise. We have more than 22 years of experience in the credit counseling industry and have helped thousands of people find their way out of debt.
  • Affordable debt solutions. As a non-profit organization, we're dedicated to keeping our fees as low as possible and we waive fees for financial hardship.
  • Greater convenience. We make credit card debt solutions as easy as possible. Our counselors will handle most details and help with everything – from evaluating your finances to negotiating with your creditors and even making payments on your behalf.
  • Free financial education and materials. In addition to our credit card relief programs we offer educational resources and training on a wide variety of financial topics, to help you learn how to manage your money more effectively and live a debt-free future.

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, debt management services, credit relief and debt relief help to consumers nationwide. Our free credit counseling services help individuals and families learn how to manage debt more effectively and how to get rid of debt more quickly. Our certified credit counselors show consumers the various ways to pay off debt, and we offer affordable debt management programs for getting rid of credit card debt by consolidating debt payments. Our debt negotiation services help with managing credit card debt and paying off debt more quickly by reducing interest rates and finance charges. And our financial education services help consumers manage money more effectively, find reputable debt consolidation companies and answer questions like "How do you consolidate debt?"

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