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Reducing credit card debt

Tips for reducing credit card debt.

When you're looking for ways of reducing credit card debt or want to know how to pay off credit cards fast, you'll find lots of tips and suggestions everywhere you turn. There are plenty of companies out there ready to help you with a debt settlement arrangement or a credit card consolidation loan. And you'll find no shortage of online advice columns and blogs about the best debt reduction strategies. But reducing credit card debt effectively – without damaging your credit rating or taking on new loans – isn't necessarily something that's easy to manage on your own. That's where the professional and certified credit counselors at American Consumer Credit Counseling (ACCC) can help.

Reducing credit card debt with ACCC.

As a nonprofit debt relief center, ACCC is dedicated to helping individuals and families take control of their finances by reducing credit card debt, paying off loans, and learning to live life debt-free. Over the past 20 years, we've helped thousands of consumers just like you develop strategies for reducing credit card debt. In fact, most of our clients are able to pay off their credit cards within five years.

Our highly trained credit counselors will help you sort through the pros and cons of all the possible strategies for reducing credit card debt, including credit card consolidation, bankruptcy, debt settlement arrangements, and debt management plans. Because we're a nonprofit organization, your initial credit counseling session is free, and our fees to help with reducing credit card debt are among the lowest in the industry. Our goal is simple – to help you get out of debt while preserving your credit rating.

How a debt management plan helps with reducing credit card debt.

A debt management plan is one of the most effective ways of reducing credit card debt – it's an option we recommend often, depending on a client's financial situation. In a debt management plan, we consolidate all of your payments on unsecured credit card debt into one easy monthly payment made to us. We then disperse your payments to your creditors on your behalf, making it simple for you to stay current with your debt obligations. This also allows us the ability to approach your creditors to seek reductions in interest rates and finance charges, and to stop late fees over-limit charges so you'll be reducing credit card debt more quickly. Unlike other options for reducing debt, a debt management plan lets you eliminate credit card debt without taking on any new loans or destroying your credit rating.

American Consumer Credit Counseling (ACCC) is a non-profit 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. Homepage Footer: American Consumer Credit Counseling (ACCC) is a non-profit credit counseling agency and debt consolidation company that provides help to anyone who is asking, "How do I get out of debt?" Our services include credit counseling, financial education, debt consolidation and debt reduction services for consumers nationwide. Our certified credit counselors have helped thousands of individuals and families find debt relief through debt management plans that consolidate debts and debt payments to pay off credit cards and eliminate debt. We also provide bankruptcy counseling and bankruptcy debtor education services, including pre bankruptcy credit counseling for a bankruptcy certificate.

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