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Managing Credit Card Debt

Need help managing credit card debt?

If you're having trouble managing credit card debt and are looking for assistance, American Consumer Credit Counseling (ACCC) has answers. We're a non-profit organization that provides credit counseling and debt management services for individuals and families throughout the U.S. who want to pay down credit card debt. Our professional credit counselors can provide strategies for managing credit card debt, taking control of your finances and living a debt-free life. And because we're a non-profit, our fees are consistently lower than other agencies in the debt management industry and we offer free credit counseling. If you need help managing credit card debt, contact us today for a free, no-obligation meeting and learn how to get out of credit card debt.

ACCC makes managing credit card debt easier.

Managing credit card debt can be easy when you have the right help, and our independently certified credit counselors are experts at showing you how to pay down credit card debt. One of the most effective tools for managing credit card debt is our debt management program. When you enroll in this plan, we'll first evaluate your entire financial picture and help you create a budget for managing your living expenses while paying down your credit card debt. Next, we'll consolidate all of the monthly payments you make to credit card companies into a single payment to ACCC, and we'll in turn disburse money to creditors on your behalf. This allows you to simplify your finances, keep current with payments more easily, and reduce the stress of managing so many payments to different companies each month. We'll also work with your creditors for possible reductions in finance charges, interest rates, and fees, saving you money and settling credit card debt more quickly. Most of our clients are able to eliminate their credit card debt within five years.

Learn more about managing credit card debt, budgets and finances.

In addition to professional credit counselors, we offer free educational resources on our website that include a multitude of tools, financial calculators and articles on a wide variety of topics, including how to manage a budget, how to figure out how much house you can afford, how to pay off a credit card without taking on new loans, and much more. You can also learn about different approaches to paying off or managing credit card debt, and why those schemes that promise to show you how to get out of debt fast may actually drive you deeper into debt.

American Consumer Credit Counseling (ACCC) is one of the top nonprofit debt consolidation companies in the U.S., with more than 22 years' experience helping individuals and families consolidate credit card debt and improve their credit management skills. If you're wondering "How does debt consolidation work?" and "How can I consolidate my bills?", we can provide you with debt consolidation information to show you exactly how we can help you consolidate debt without having to borrow money or pay steep fees. If you're considering bankruptcy, we are also one of the approved credit counseling agencies for issuing a pre-bankruptcy certificate as well as providing the post-bankruptcy credit counseling course.

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