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How to Eliminate Debt

Find out how to eliminate debt with ACCC.

If you owe too much money and want to know how to eliminate debt, American Consumer Credit Counseling (ACCC) can help. Over the past 20 years, we've helped tens of thousands of people just like you understand how to eliminate debt and manage their money more effectively. Our professionally trained and certified counselors can help you take control of your finances, show you how to eliminate debt – usually within five years – and give you the tools you need to live debt-free and build a secure financial future. Contact us today to take the first step to get out of debt.

An individualized plan for how to eliminate debt.

When you come to ACCC to learn how to eliminate debt, our counselors will create an individualized plan that addresses your specific needs and helps you pay off your credit card debt and live a debt-free future. After working with you to get a clear sense of your financial picture and your consumer debt, your counselor will help you create a budget you can live with while you pay off your debt. We'll also implement at debt reduction plan, consolidating all of your unsecured debt (credit cards, department store cards, personal loans and money owed to collection agencies) so you can make one simple payment each month. This kind of loan and credit card debt consolidation helps to simplify your finances, makes it easier to keep up with payments and reduces the stress of owing money to multiple creditors. We'll also work with your creditors to possibly reduce your interest rates, late fees, over-limit charges and the time it takes to pay off your debts. Finally, we'll provide access to a wide range of educational materials that you can you use to learn more about managing money and staying out of debt.

The benefits of letting ACCC show you how to eliminate debt.

Learning how to eliminate debt with ACCC offers significant advantages, including:

  • Savings. Because we're a non-profit organization, our fee structure is among the lowest in the debt relief industry. We can also help you save money by possibly reducing fees and interest rates on your debts.
  • Convenience. We handle all communications with your creditors and simplify your payments by consolidating your debts.
  • Peace-of-mind. When you make a plan for how to eliminate debt, you can reduce the stress of owing money and not knowing if you'll be able to keep up with your monthly payments. Plus, you'll have the satisfaction of knowing that you'll be debt free soon – usually within five years.

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, debt relief, and debt elimination services for consumers nationwide. We offer free credit counseling to help consumers identify the right debt reduction program or debt solution for their unique situation. Since 1991, our certified credit counselors have helped thousands of individuals and families learn how to pay off a credit card balance and how to get out of debt fast through programs designed to payoff credit card debt within five years. Our debt management programs consolidate card credit debt payments and help reduce interest rates and finances charges, reducing the time it takes for getting rid of debt. And we offer comprehensive financial education services where consumers can get answers to questions like "How do I create a budget?", "What is debt consolidation?" and "How can I avoid debt in the future?"

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