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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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Consolidate Credit Cards

Need to consolidate credit cards?

When you are looking for ways to consolidate credit cards, you’ll get lots of offers from credit card and financial companies. Some will offer low interest rates for a period of time when you transfer the balances from other credit cards, while others will offer credit card consolidation loans to help pay off your high-interest balances. The theory is that if you can consolidate credit cards and lower your interest rate, you’ll be able to pay down the debt faster.

These strategies can be effective, but it takes a careful eye for detail and a plan for changing the spending and saving habits that built up credit card debt in the first place. When considering how to consolidate credit cards, it’s important to avoid plans and consolidation loans that may actually cost you more money in the long run and make it harder to pay off your debt.

When you need professional help to figure out how to consolidate credit cards most effectively, American Consumer Credit Counseling (ACCC) provides free credit counseling to answer your questions.

Consolidate credit cards with help from ACCC.

ACCC is a nonprofit organization dedicated to helping people just like you get out of debt more quickly. In addition to free credit counseling, we offer free educational resources and a low-cost debt management plan that can help you get control of your finances and live debt free in the future.

Our counselors are available six days a week to discuss your financial concerns over the phone, or in person. They can answer your questions about how to consolidate credit cards or about consolidating loans. They can also direct you to helpful resources and provide financial advice on a wide variety of money matters.

Most importantly, our counselors can help you identify the best way to consolidate credit cards in order to pay down your debt more quickly, and help you create a budget you can live with that will help you stay out of debt in the future.

How to consolidate credit cards with a debt management plan.

One highly effective solution to consolidate credit cards is a debt management plan. Under this arrangement, instead of taking out a new loan to pay off your various debts, you’ll consolidate all your monthly payments to credit card companies and other creditors into a single payment to ACCC, and we make your credit card payments for you. This helps to simplify your life – you’ll have only one payment to make each month – and allows us to seek reductions in interest rates and finance charges on your behalf, helping to minimize the amount you owe so you can pay it off more quickly.

Learn more about how to consolidate credit cards or consolidate loans with a debt management plan, and about the pros and cons of debt consolidation for credit card debt.

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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