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How to be debt free

Want to know how to be debt free? American Consumer Credit Counseling (ACCC) can help. Founded in 1991, we are a nonprofit organization dedicated to educating consumers on how to be debt free, and providing resources to help consumers who are committed to eliminating credit card debt.

Our credit counseling services are free – our certified credit counselors will meet with you to take stock of your financial situation and evaluate all your options as you work to be debt free. If our debt management services are a viable option to obtain your debt free future you needn't worry - our fees that are among the lowest in the industry. Contact us today to schedule a no-obligation counseling session where you can learn more about paying down credit card debt and how to be debt free.

What our counselors can teach you about how to be debt free.

When you come to ACCC to learn how to be debt free, we'll review your financial situation and provide information about resources and strategies that make sense for you. Our counselors are experts on subjects like bankruptcy and credit card debt, and can help you choose the best strategy for how to be debt free.

Depending on your needs, we may recommend that you participate in a debt management plan, which is one of the most effective strategies for eliminating debt for most consumers. It's a simple, four-step plan for how to be debt free within five years or less. It works like this:

  • Our counselors meet with you to work up a complete evaluation of your finances.
  • We help you create a budget that you can live with while you work to be debt free.
  • We consolidate all your various debt payments. Instead of paying multiple creditors each month, you'll make one payment to ACCC and we'll pay your creditors on your behalf.
  • We'll ask your creditors for reductions in finance charges and interest rates, and to end over-limit fees and late fees, helping to reduce the total amount you owe so you can pay it off faster.

We have found that most people are able to stick with a debt management plan more easily, in part because our credit counselors handle most of the work for you.

More resources on how to be debt free.

As one of America's most trusted debt reduction companies, we offer a wealth of free educational resources on our website. You'll find lots of downloads, workbooks, financial calculators, and tips on how to pay off your debts and how to be debt free for the rest of your life.

American Consumer Credit Counseling (ACCC) offers consumer credit solutions ranging from debt counseling and debt consolidation relief, to pre-bankruptcy counseling and post-bankruptcy debtor education. If you are seeking debt consolidation options, ACCC offers a simple and effective consolidation program that's more prudent and beneficial than a debt settlement solution or taking out loans for debt consolidation. For personalized credit counseling advice and to learn about the best way to consolidate debt, contact an ACCC credit advisor today.

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