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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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Basics Of A Debt Management Program

It is important that you understand the basics of a debt management program before you enroll in one. Figuring out how to get out of debt is no easy task. While some consumers are able to do it on their own, others may be in a more difficult situation and require outside help from a credit counseling agency. Whatever you decide to do,  do not get into more consumer debt in the process (e.g. through payday loans). A debt management program can help you get out of debt without accumulating more. 

A debt management program makes paying off debt easier. 

A debt management program makes paying off debt easier. 

Basics of a Debt Management Program:

What is a debt management program (DMP)? A DMP is a debt relief method in which you make one monthly payment to a reputable credit counseling agency who will pay the different creditors on your behalf. In the process, you can sign up for reduced interest rate and the possibility to pay off debt sooner than you would on your own. If you have to pay off multiple credit cards with high interest rates, it could take you decades to pay on your own. However, ACCC’s debt management program can help you pay it off in five years or less! Let’s take a look at the benefits of ACCC’s debt management program:

Benefits of ACCC’s Debt Management Program:

One 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. You don’t have to worry about paying each creditor separately!

24-hour Member 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, and Fridays 9:00 am – 6:00 pm.

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.

Re-counseling. Through the Re-counseling 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 Education. Clients receive our complementary 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.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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