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Help With Debts

Need help with debts?

If you're looking for a way out of debt, you're not alone. The recent financial crisis left many individuals and families in a difficult financial position and needing help with debts. Whether the balances on your credit cards are too high or you owe too much money on unsecured loans, debt can quickly become overwhelming and make you feel like you'll be paying off creditors for the rest of your life.

American Consumer Credit Counseling (ACCC) can help. We're a non-profit organization that provides help with debts to individuals and families just like you. In fact, since 1991 we've provided help with debts to tens of thousands of people. Our debt reduction services are tailored to address your unique needs and your financial challenges. Contact us today to speak with a professional financial counselor about a debt management program that can provide help with debts.

How does a debt management program help with debts?

A debt management or debt reduction program with ACCC provides help with debts in four simple steps. First we evaluate your financial situation, including your income, monthly expenses and the total amount you owe to creditors. Next we help you create a budget – something you can live with, but one that will allow you to start getting rid of debt right away. Then we work with your creditors for a possible reduction in your interest rates, finance charges, over-limit fees and the amount of time it will take to pay off your debt. Finally, we consolidate your debt – you make one payment to ACCC, and we make disbursements to creditors on your behalf. Consolidating credit cards and other unsecured debts helps simplify your finances and makes it easier to stay current with your payments. The results? Most people we work with are able to be debt free within five years.

Why get help with debts from American Consumer Credit Counseling?

There are a number of great benefits in coming to ACCC for help with debts. Our debt solutions enable you to:

  • Reduce interest rates, late charges and over-the-limit fees.
  • Pay off debts faster – usually within five years.
  • Make one convenient payment each month instead of many payments to multiple creditors.
  • Create a budget that works for you.
  • Stop worrying about your debts and your finances.
  • Take advantage of free educational resources that can provide answers to questions like:
    • "How can I plan for the future more effectively?"
    • "What can I do to avoid debt?"
    • "What is debt consolidation?"
    • "How can I improve my credit score?"

American Consumer Credit Counseling (ACCC) is a non-profit credit counseling and debt management agency that provides solutions for dealing with credit card debt and for getting out of debt fast. Our debt resolution services include free credit counseling and financial education, as well as debt management plans – our most effective solution for reducing credit card debt. Our certified credit counselors and debt specialists have helped thousands of consumers with issues related to bankruptcy and credit card debt. During an initial free credit counseling session, our counselors review a client’s finances and discuss all the options for getting out of debt, including debt management, debt settlement, and a credit card consolidation loan. They can also discuss debt consolidation advantages and disadvantages and answer client questions such as “does debt consolidation work?”

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