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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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Better Business Bureau A+ Rating

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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Better Business Bureau A+ Rating

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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Credit Counseling

We will help you determine the best way to approach your financial situation, and provide you the best credit counseling service options possible.

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Bankruptcy Counseling

We can provide the mandated pre-filing bankruptcy counseling session to enable you and your legal counsel to make well-informed decisions.

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Debt Settlement

We offer free credit counseling sessions with professionally certified counselors to choose the most advantageous path out of debt.

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Debt Consolidation

With our debt consolidation plan, you will be able to combine most, if not all of your unsecured debt and make one single monthly payment.
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Debt Management

Our debt management program helps simplify your monthly unsecured debt obligations, consolidate your payments, and disburse funds to your creditors on your behalf.

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Housing Counseling

ACCC’s housing counselors are available to assist you in all aspects of your housing needs. We provide reverse mortgage counseling, homebuyer education and certification, and foreclosure counseling.
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Webinars

Our Community Outreach program works with local & national organizations, companies, financial institutions, schools, and universities to offer free financial education presentations. Our mission is to empower people to become financially independent and to achieve their goals.

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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Financial Resources & Tools

  • resources-budgeting

    Budgeting Tips and Tricks

    A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. Use our compiled helpful resources, tips, and tools to help you understand and create a successful budget.

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  • resources-credit

    Understanding Credit

    Credit is a convenient way to pay for things, but knowing how to manage and maintain good credit can be very challenging. Check out our find informative articles that will help you learn all about maintaining good credit.

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  • resources-calculator

    Calculators to help manage your money

    Use ACCC’s financial calculators to help you better track and budget your income and expenses to help you better manage your money.

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  • resources-retirement

    How to prepare for retirement

    In your golden years? It’s important that you are knowledgeable about your financial situation so you are prepared to lead a financially healthy life. Get our checklist to help you with your preparations.

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Financial PreparednessBudgeting Tips and Tricks

Financial PreparednessUnderstanding Credit

Financial CalculatorsCalculators to help manage your money

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