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Credit Card Debt

Eliminate credit card debt with ACCC.

Struggling to keep up with credit card debt? Looking for a way to pay off your cards more quickly? American Consumer Credit Counseling (ACCC) offers credit card debt solutions that can help. We're a non-profit organization that provides credit counseling and credit card debt solutions for individuals and families throughout the U.S. Since 1991 we've helped tens of thousands of people just like you improve their credit scores, eliminate credit card debt and learn how to live life debt free. Our certified credit counselors can help you take stock of your financial situation and choose the best option for paying off your credit card debt. Contact us today to schedule a free consultation and learn more about the options available to you.

How ACCC can help you pay off credit card debt.

From free credit counseling to affordable credit card relief programs, we offer a variety of ways to eliminate credit card debt. It begins with a free consultation where our professionally trained credit counselors will evaluate your entire financial situation. They'll provide you with a detailed review of your income and expenses as well as your assets and debt, and they'll review potential strategies for paying down your credit card debt.

One of the most effective ways to eliminate credit card debt is a debt management program. In this debt reduction strategy, you consolidate credit card payments as well as payments on other unsecured debt, making just one payment each month to ACCC. We then are responsible for making payments to your creditors. With just one payment per month to make on your credit card debt, you'll find it much easier to manage your finances and stay current with payments. We'll enter credit card negotiation with your creditors to possibly secure lower interest rates and to reduce or eliminate finance charges, late fees and over-limit charges. That means your monthly payment to us will likely be less than you were paying in total before.

The advantages of choosing ACCC to eliminate credit card debt.

Lower fees – as a nonprofit agency, we're dedicated to keeping our fees as low as possible.

  • Savings – by helping you reduce your interest rates and finance charges, we help you save money and pay off your credit card debt more quickly.
  • Convenience – our credit counselors handle almost all the details for you, including payments to your creditors, so you can spend your time doing more of the things you love.
  • Education – we offer a wide variety of educational materials on our website to help you better understand how to manage your finances to avoid credit card debt.

American Consumer Credit Counseling (ACCC) is a nonprofit debt relief agency offering consolidated credit counseling and consumer debt solutions. If you have debt to consolidate, we can help you consolidate credit without taking a loan or paying high fees like some debt management companies charge. A fair, effective debt reduction service, our debt management program simplifies your payment responsibilities and often results in reduced interest rates from your creditors. As a leading national debt consolidation firm, ACCC has also been approved by the Department of Justice to provide credit counseling for bankruptcy both the pre-bankruptcy credit counseling certificate and the post-bankruptcy debtor education.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member