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Debt Consolidation

Our debt consolidation plan is designed to provide a unique solution to your personal financial situation. We will provide you with options to help you plan for a debt free future...

Debt consolidation can help you with your unsecured debt (debt not linked to an asset).

Through a debt consolidation plan you will be able to combine most, if not all of your unsecured debt and make one single monthly payment. Those accounts will still exist, but will be paid monthly through your account at ACCC. You will find that by engaging in a debt consolidation program you will become more organized and accurately understand your financial obligations each month. Debt consolidation may also lower your monthly payments.

Examples of unsecured debt include: credit cards, department store cards, credit lines, and unsecured personal loans are all examples of unsecured debt. Each month,  we disburse payments to your creditors on your behalf.

Upon enrolling into a debt management plan we will create a proposal to your creditors for a possible reduction in interest rates, perhaps re-aging your accounts and making them current, or removing penalties. Your debt management plan also may include a reduction in finance charges and over limit fees. And lastly, your plan may lower your monthly payments and the time required to pay off your debt.

Our professional credit counselors are available weekdays, evenings and weekends. Call to speak with a certified counselor to help you determine if a debt consolidation program is right for you, and to help you with a free budget analysis. Or begin the process with our online application.

American Consumer Credit Counseling is a non-profit credit counseling and debt management center for individuals and families who want to settle credit card debt and learn to live life debt free. In our free counseling sessions, our certified credit counselors help consumers make a debt reduction plan for eliminating credit card debt over a period of time – usually five years or less. After reviewing a client’s financial situation, counselors work with consumers to find the best path to credit card debt elimination. This may involve providing education about credit card debt and bankruptcy, comparing debt consolidation vs chapter 13 bankruptcy or debt settlement services, and answering basic debt reduction and debt consolidation questions, such as “what is credit counseling?” and “how can I protect my credit score?”

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Video: What is debt consolidation?

With so many debt payment options it's hard to know what option is best for you. Some people think that all options to pay down debt are the same and, worse, some people think that all options are scams. Today, we're going to talk about one of those options, which is debt consolidation. Debt consolidation is when you take out one large loan to pay off other smaller loans. A benefit to having a debt consolidation loan is that you'll have to have one monthly payment as opposed to having to pay each of your loans separately. The interest rate on your consolidation loan needs to be lower than the interest rates on the loans you're consolidating. Keep in mind that if you have a lower monthly payment on the consolidation loan this can result if having the loan lengthen over time. This could then result in having to pay more interest over time. For more information visit us at