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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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A blue clipboard with Debt Management Plan typed on to the paper clipped to it.

Debt Management Plans – What To Expect

Key Takeaways Consolidated Payments: Debt management plans simplify the process of managing unsecured debts, by consolidating various debts into a single monthly payment, reducing the risk of missed payments. Personalized Assessment: A debt management plan (DMP) begins with a detailed … Read More »

How Can I Manage Credit Card Debt and Finances in a Tough Economy?

Key Takeaways Create a realistic monthly budget that accounts for essential expenses. Cut back on non-essential spending and save for emergencies. Pay down high-interest credit card debt first. Monitor your credit and financial habits regularly. Get help from a nonprofit … Read More »

A man in front of bills wondering How Do I Cover Basic Living Expenses When Managing Credit Card Debt?

How Do I Cover Basic Living Expenses When Managing Credit Card Debt?

Key Takeaways  Focus on essential needs like food, housing, and utilities while reducing unnecessary purchases. Establish a structured budget to prioritize needs vs wants and stick to it. Consider community resources and government assistance that provide help with food, housing, … Read More »

black woman holding up a credit card, in front of her laptop while looking shocked.

How Can I Lower My Credit Card Interest Without Hurting My Credit Score?

You can lower your credit card interest without hurting your credit score by negotiating a reduced interest rate with your credit card company, making extra payments, which allows you to reduce your balance sooner and pay less interest overall, or … Read More »

How Does Credit Counseling Impact Credit Scores

Navigating financial challenges can feel overwhelming, especially when credit scores seem like a mysterious maze of numbers and consequences. If you’re struggling with credit card debt, credit counseling might be the lifeline you’ve been searching for. At American Consumer Credit … Read More »

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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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