Managing your debt is the most crucial element of managing your finances. For whatever reason, all of us may require debt management help along the way. When this happens, you must find the right debt management plans to help your situation.
American Consumer Credit Counseling is a reputable credit counseling agency serving its’ consumers since 1991. We have been focused on financial education as well as assisting to take control of their financial future. The debt management plans ACCC offer will take you in the right direction to achieving your goals. ACCC’s biggest strength is its highly qualified credit counselors. They are trained and independently certified through a third-party independent organization. These experts are capable of understanding your credit problems. Therefore you can depend on them to 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.
Why Would You Need Debt Management Plans?
Setting the Context:
Almost all of us carry debt in our financial nest. It can vary from credit card balances to car loans and home mortgages. Out of these, consumers depend largely on credit cards to manage their everyday expenses. This is also the easiest way to rack up debt beyond control. You can easily stumble into the depths of debt with credit cards. If you owe money to multiple creditors, managing debt can feel a bit like you owe everyone something. It is stressful enough just parting with the money every month, let alone tracking everywhere it has to go.
More unpaid credit card debt leads to more interest and fees and it is easy to accumulate even more debt. Your creditors will continue to pressure you into paying. You might be faced with certain circumstances preventing you from making your monthly payments to your creditors. The past year is the best example of such events occurring. With lockdowns, quarantines, and a wide-spreading pandemic people lost jobs. Small businesses suffered. The traditional business context took a turn to an entirely new direction. Such changes hit hard to many consumers leaving them in dire situations especially with their debts. Unprecedented challenges such as these can take you from actively paying down your debt to racking up interest payments, all because of forces outside your control.
Debt Management Plans can Help
Uncertainty is a given in life. However, when it comes to debt, you don’t have to manage it alone. A debt counselor that knows consumer credit inside and out can help you make sense of the situation. Then they can guide you to develop the right plan to pay down your debt. Debt management and consolidation can make it so that you have one manageable payment to make each month.
Realistic debt management plans from American Consumer Credit Counseling are designed for your budget. The counselors at ACCC are focused on your budget to ensure you don’t require unsustainable sacrifices. Also, the focus on your budget helps you maneuver your debt with your current income without taking any additional loans.
ACCC Debt Management Services:
The debt management plans at ACCC are designed in a way that makes life easier for you. Financial education, continuous monitoring, and follow-up help you always stay on track. This method tries to avoid damage to your credit rating resulting in securing your financial future. The solutions offered by ACCC are not only focused on the current situation but are a sound approach focused on the bigger financial future of our consumers. Here are some features that the debt management plans at ACCC offer you to help this overall process.
One Convenient Monthly Payment
After carefully analyzing your financial situation the credit counselors combine all of your creditor payments into one monthly amount. ACCC then ensures that your payments are disbursed directly to your creditors on your behalf. This is very helpful when you are tackling large amounts and accounts of debt on your part. Your Debt becomes a single line item on your budget. You rest assured that your creditors are paid on time based on the terms you agreed on the plan.
24-Hour Members-Only Access
Once you enroll with ACCC for our debt management programs you become a member of our network. We have a dedicated Members Only website 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. You can call these reps for clarifications if you have any and always stay on top of the progress you are making.
Save Money With Lower Payments
ACCC’s reputation as a non-profit credit counseling agency adds a major advantage to the products it offers to its clients. We constantly negotiate with a large network of creditors we work with to get the best possible outcome for your debt situation. We work with your creditors to lower your monthly payments and to reduce your interest charges. This way you can not only focus on getting out of debt sooner but also include other financial goals into your future financial plan.
Get Out of Debt Faster
60 months is our timing goal with our debt management plans. We try to design a customized approach to you that will help you get out of debt sooner than later. 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. This is another reason why the counseling sessions you have with our experts are extremely detail-oriented.
We are committed to providing ongoing debt counseling and financial education to our clients. We will constantly thrive to review your current financial situation and budget and provide suggestions and additional financial resources.
Financial Peace of Mind Program
Along with a stress-free plan to get out of debt, we also offer the clients a complimentary Financial Peace of Mind program. This is an educational program that consists of 8 self-directed study chapters and assessments. This education material is timely and relevant. This is primarily focused on improving your money management skills, increasing your financial awareness, and modifying your financial behavior for the better.
Monthly Erasing Debt Newsletter
In addition to the ongoing education and feedback ACC also sends its clients monthly newsletter. The erasing Debt newsletter provides clients with information on relevant debt management counseling topics as budgeting, identity theft, home buying, credit reports, and much more. A reputable agency such as ACCC not only looks at solving the current problem at hand. But it also looks at ways to arm their clients with enough knowledge and information to steer clear of debt trouble in the future. This is why the debt management plans at ACCC are a comprehensive package.
Consumer Credit Website
The ACCC website is a comprehensive resource that is available to you. It can help guide you in all aspects of personal money management and help you improve your financial literacy. There are many financial tools, calculators, and articles available to you just a click away. It covers a wide variety of topics that you will find helpful in your efforts to improve your personal financial situation.
It’s Simple! Here’s What You Need to Do:
Once you’re ready to take control of your credit situation, here’s how it will work. After you reach out to ACCC, a professionally trained and independently certified counselor will:
- Evaluate your financial situation to help determine a realistic payment plan
- Assist you in creating a budget that actually meets your needs
- Help create a debt management plan that focuses your finances into one monthly payment that consolidates your debts
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.
If you are seeking assistance with your credit card debt, schedule a free credit counseling session with us today!