A Debt Management Program
Can Help You:
Reduce interest rates & stop late and over the limit fees.
Consolidate your unsecured debt into one easy monthly payment.
Pay off your debt in most cases within 5 years.
Develop a workable budget that you can live with.
A nonprofit credit counseling agency that helps consumers take control of their financial lives through credit counseling, debt consolidation, and financial education. Since 1991, we have been improving lives and providing solutions to people in need of financial help. Call to speak with a certified credit counselor and receive a complimentary budget and debt consultation. To learn how to change your financial life, call 1-800-769-3571.
Nonprofit Consumer Credit Counseling, Debt Management, and Debt Consolidation American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, debt management plans, debt consolidation and financial education services to consumers nationwide. Our certified and professionally trained credit counseling team assists consumers by providing workable solutions for their financial problems. We offer debt relief to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.
How Can We Help You?
Our certified credit counselors will help you determine the best way to approach your financial situation and provide you the best debt advice options and debt solutions for managing your credit card debt.
Our credit advisors will assist in analyzing your current financial situation, providing personalized options based on your goals, and recommending the optimal debt management plan to achieve financial stability. The debt counseling solutions we provide offer our members long term financial success, as well as short term debt management programs and debt consolidation.
Debt Management Program
Our debt management program helps simplify your monthly unsecured debt obligations. Examples of unsecured debt include: credit cards, department store cards, collection agencies, credit lines, and unsecured personal loans. Once you have enrolled, we will consolidate your payments and disburse funds to your creditors on your behalf.
As part of our debt management program, our financial counseling specialists will assist you with how to consolidate debt. Debt consolidation is an important step in lowering monthly payments to creditors and collection agencies. Unlike a debt consolidation loan, you do not borrow money. Credit card debt consolidation under a debt management plan provides you with one easy payment.
If you're planning to file for bankruptcy, the law requires that you complete a pre-bankruptcy counseling session with an approved credit counseling agency. American Consumer Credit Counseling is an approved bankruptcy credit counseling agency, authorized by the US Trustee Program of the Department of Justice. In addition to obtaining a bankruptcy certificate before your bankruptcy is discharged, you must also, complete a debtor education course, also known as post-bankruptcy debtor education. ACCC can help you with both of these requirements.
We provide online bankruptcy counseling, and can also give bankruptcy counseling over the phone. You can complete most of the requirements of your bankruptcy certificate online.
Homeownership is possibly the highest achievement for an individual or family in your lifetime. Whether you are in the process of purchasing your first home, are a recent buyer or longtime owner, the responsibilities are enormous. ACCC’s housing counselors are available to assist you in all aspects of your housing needs. We provide reverse mortgage, pre-purchase, post purchase and foreclosure counseling. Being a homeowner comes with much responsibility. We are certified by the US Department of Housing and Urban Development (HUD) and are committed to providing communities with housing counseling assistance as well as providing housing resources and education.
Student Loan Counseling
If you are one of the many millions of Americans that are facing student loan debt, ACCC can help you find the right student loan solution. Our counselors will provide you with an in depth evaluation of your finances and assess your particular student loan circumstances. If you are looking for student loan relief ACCC’s student loan counseling will help. ACCC will review and explain the various student loan relief options available as well as help you determine qualifications based on your financial situation. The student loan counseling will successfully help you sift through the clutter no matter what stage you are in with your student loans.