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Debt Management Program

Confront financial problems with a debt management program.

When you’re considering debt consolidation and credit repair services to solve your financial issue, , a debt management program may be the better option to help you regain control of your financial situation and take the first steps toward a debt-free future.

A debt management service offers certain advantages over other approaches to dealing with debt. Debt consolidation, for example, involves taking out a new loan to pay off old loans and bills. But if you’re deeply in debt, your credit rating may not qualify you for a low interest loan and you may wind up paying a lot in interest rates. And in a debt settlement program, you’ll pay a substantial fee to someone who will try to get your creditors to settle your debt for pennies on the dollar, but there’s no guarantee it will work and you may still be harassed by collectors while your credit rating takes a dive.

With a debt management program, you won’t incur any new loans or take any risky steps to settle your debt. Instead, you’ll work with a debt management counseling specialist to make a plan for paying down your debt over a certain number of months. You’ll also make a budget you can live with while you lower your debt, and you’ll receive financial counseling services that will support you and help you make your plan a success.

ACCC offers a low-cost debt management program.

When enrolling in a debt management program, many consumers nationwide choose a low-cost debt management program from American Consumer Credit Counseling (ACCC). We are a nonprofit organization dedicated to helping individuals get out of debt and learn to live debt-free. Since 1991, we’ve provided free credit counseling and a low-cost debt management program that has helped thousands of people just like you take back control of your finances and get out of debt for good.

As a nonprofit organization, we offer a free credit counseling session where you can learn about a debt management program. Our counselors will help you take stock of your financial situation, evaluate your options and answer questions like “What is online debt consolidation?” and “Is debt consolidation good or bad?”

Benefits of ACCC’s debt management program.

When you enroll in a debt management program with ACCC, you can:

  • Save money by enrolling in a program with fees that are among the lowest in the industry.
  • Simplify your finances by making just one payment each month to ACCC, and allowing us to make all your monthly bill payments for you.
  • Get control of your finances with help from a highly trained credit counselor.
  • Pay off your debt faster by allowing us to work with your creditors to potentially lower interest rates, reduced fees and lower your monthly payment.

Learn more about ACCC’s debt management program.

American Consumer Credit Counseling (ACCC) provides non-profit 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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