Skip to Content

How to Manage Debt

ACCC can show you how to manage debt more effectively.

Want to know how to manage debt more easily? American Consumer Credit Counseling (ACCC) can show you the way. From free credit counseling to help with household budgets to plans for paying off debt, our professional credit counselors can offer a variety of strategies for how to manage debt and take control of your finances.

We're a non-profit organization – that means we're dedicated to showing you how to manage debt, rather than making money off of debt services. Consequently, we're able to offer a variety of free services, and our fees for debt management programs are about as low as they come. We‘re also able to waive the fees for certain hardship cases.

When you're ready to learn how to manage debt and live a debt-free future, contact our counselors for a free consultation. They'll help you understand your options for how to pay down credit card debt and how to manage debt and bills more effectively.

How to manage debt and pay off loans within five years.

When you contact our professionally trained and independently certified credit counselors to learn how to manage debt, they'll help you evaluate your financial situation and create a budget that will enable you to pay credit card debt each month. If it benefits you, they may also recommend a debt management program that can help you manage your finances more easily and pay off your debt more quickly – in most cases, within five years. Under a debt management program, you'll consolidate all your monthly debt payments into a single payment to ACCC, and we'll pay each of your creditors on your behalf. That means you'll have just one payment to make each month, helping to simplify your finances and reduce the stress of owing lots of money to lots of people. In the process of working with your creditors, we'll also seek to lower your interest rates, reduce finance charges, and eliminate late fees and over-limit fees. This can save you thousands of dollars over several years – it's a great solution for how to pay off a credit card and get out of debt more quickly.

Learn how to manage debt, improve your credit score, and more.

On our website, you'll find a wealth of information about ways to manage money, save for the future, and pay off debts. Our free educational resources include financial tools, calculators, and articles on everything from getting rid of credit card debt to creating budgets to understanding your credit score. Take advantage of these free resources to learn more about managing money and living a future free of debt.

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.

SiteLock Better Business Bureau Mass Housing Approved National Industry Standards for Homeownership Education and Counseling NFCC Member