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Debt Management Program Benefits

ACCC’s debt management counseling services offer many benefits that not all agencies provide in a debt management program.Our objective is to assist individuals and families with all aspects of their credit difficulties.

For more than 24 years, we have been educating consumers on financial management and assisting them in taking control of their financial future. Our debt management counseling services will help you achieve all of your goals. Our counselors are trained and independently certified through a third party independent organization. All of our debt management counseling experts understand credit problems and can help you with a plan that best fits your needs. You can be assured that through our debt management counseling you will receive the highest level of client care with easy accessibility at your fingertips.

There are many benefits to using our debt management counseling services to develop a debt management plan. Here are just a few:

One convenient monthly payment

We combine all of your creditor payments into one monthly amount, and once we receive your payment, we disburse directly to your creditors on your behalf.

24 hour members only access

Our Members Only website is reserved exclusively for clients who use our debt management counseling services. There you can access up to date information 24 hours a day, seven days a week. Client Service Representatives are available for support Monday - Thursday 9:00 am - 8:00 pm, Fridays 9:00 am - 6:00 pm.

Save money with lower payments

We work with your creditors to lower your monthly payments and to reduce your interest charges.

Get out of debt faster

Through our debt management counseling, we help to design programs that get you out of debt within 60 months. Your program will help put an end to your financial stress. The length of the program will be determined by the total amount of your debt, your specific creditors, and whether you can send additional funds as you become more financially stable. Each of these items is identified during our debt management counseling session.

Recounseling Department

Through the Recounseling Department, clients are able to work with certified counselors that provide ongoing debt management counseling and education. We will review your current financial situation and budget and provide suggestions and additional financial resources.

Financial Peace of Mind Program

Clients receive our complimentary Financial Peace of Mind program which consists of 8 self-directed study chapters and assessments for the purpose of improving your money management skills, increasing your financial awareness, and modifying your financial behavior for the better.

Monthly eRasing Debt Newsletter

Clients receive the eRasing Debt newsletter on a monthly basis. The newsletter provides clients with information on such debt management counseling topics as budgeting, identity theft, home buying, credit reports, and much more.

Consumer Credit Website

Our website is an online debt management counseling resource available to help guide you in all aspects of personal money management and help you improve your financial literacy. We have developed a number of financial tools, calculators and articles on a wide variety of topics that you will find helpful in your efforts to improve your personal financial situation.

ACCC invites you to join our program and begin your financial future.


American Consumer Credit Counseling (ACCC) is a nonprofit debt relief agency offering consolidated credit counseling and consumer debt solutions. If you have debt to consolidate, we can help you consolidate credit without taking a loan or paying high fees like some debt management companies charge. A fair, effective debt reduction service, our debt management program simplifies your payment responsibilities and often results in reduced interest rates from your creditors. As a leading national debt consolidation firm, ACCC has also been approved by the Department of Justice to provide credit counseling for bankruptcy both the pre-bankruptcy credit counseling certificate and the post-bankruptcy debtor education.

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