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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Debt Management Plans: The Smart Path to Financial Freedom

At American Consumer Credit Counseling (ACCC), our Debt Management Plans (DMPs) offer a clear and effective way to take back control of your finances. Unlike options like debt consolidation loans, debt settlement, or bankruptcy, DMPs provide a client-focused solution that prioritizes your financial well-being.

Why Choose a DMP?

  • Protect Your Credit: Unlike debt settlement or bankruptcy, DMPs help you minimize long-term credit impact, so you can maintain financial flexibility for future goals.
  • Simplify Payments: Consolidate your debts into one manageable monthly payment, making it easier to stay on track.
  • Save on Costs: Lower interest rates and reduced fees make DMPs an affordable alternative to other debt relief options.
  • Proven Results: DMPs are designed to eliminate debt and build long-term financial stability.
  • Tools for Success: With resources like our Client Portal and CreditU app, you can monitor your progress and stay engaged with your financial goals.

The ACCC Advantage

We go beyond debt repayment by empowering you with financial education, personalized guidance, and the support you need to create lasting peace of mind.

Choosing the right debt solution can be overwhelming. We’ve made it easy by comparing key factors like cost, effectiveness, and long-term impact. See how a Debt Management Program (DMP) stacks up against other options to help you make an informed decision.

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Take the First Step

Discover how ACCC’s Debt Management Plans can help you achieve financial freedom responsibly. Contact Us Today!

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Say goodbye to the burden of debt

Struggling to manage your debt and improve your financial health is a thing of the past with the CreditU mobile app, an essential tool for anyone looking to manage their personal finances with ease.

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What is a Debt Management Plan (DMP)?

A debt management plan (DMP) is a type of repayment plan that's set up and managed by a non-profit credit counseling agency like ACCC. As part of our DMP, creditors may waive late and overlimit fees, lower interest rates, reduce monthly payments and bring passed due accounts current (also known as re-aging). With many DMPs, the goal is to have your debts fully repaid within three to five years, and in some cases sooner. Once you start the DMP, you'll make a single monthly payment to ACCC, we will then distribute the money to your creditors every month on time.

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How We Can Help

How can we help you manage your credit? Our programs can help you take control of your financial life.

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About American Consumer Credit Counseling (ACCC):

American Consumer Credit Counseling is a nonprofit credit counseling agency that helps consumers take control of their financial lives through credit counseling, debt consolidation, and financial education. Since 1991, we have been improving lives and providing solutions to people in need of financial help.

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