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Consolidated Debt

Pay off credit cards more quickly with consolidated debt solutions.

Looking for a consolidated debt solution to help pay off credit card debt? Good for you! A consolidated debt solution can be a great first step on the path to getting out of debt and living life debt-free.

But not all consolidated debt programs are equal. In fact, some may leave you even deeper in debt by charging enormous fees. Others may require you to pay off old debt by taking out a new loan at sky-high interest rates. As you're considering a consolidated debt plan, just be sure that the partners you choose are dedicated to helping you get out of debt as quickly as possible.

That's what we do at American Consumer Credit Counseling (ACCC). As a nonprofit agency dedicated to providing debt relief assistance to individuals and families, our goal is to help you find the best option for your financial situation. We offer free credit counseling and the fees for our debt management services is among the lowest in the industry. Contact us today for a free, no-obligation consultation to learn more about your consolidated debt options.

How our consolidated debt plan works.

When you work with our professional credit counselors to pay off debt, we'll first provide you with a complete evaluation of your financial situation. We'll help you create a budget – something workable that you can live with while paying down what you owe. And if your financial situation is right for it, we may recommend a debt management plan as a way to pay off debts.

Our debt management plan is a somewhat of a debt and bill consolidation program, but you do not take out a loan to pay off debts. It works like this: instead of paying all your creditors every month, you make one payment to us and we make payments to your creditors on your behalf. This accomplishes two things. It simplifies your financial situation – with just one payment to make each month, it's easier to stay on track and keep up with your payments. And it lets us negotiate with your creditors to seek a possible reductions in late fees, interest rates and over-limit charges. It's a simple approach to consolidated debt, and has worked for thousands of people just like you.

The benefits of a consolidated debt plan with ACCC.

Our consolidated debt plan will let you:

  • Pay off your unsecured debt more quickly, usually within five years.
  • Reduce your financial stress. With a workable budget and just one payment to make each month, you'll spend a lot less time worrying about money.
  • Get expert advice. Our professionally trained and independently certified credit counselors are experts in consolidated debt solutions and at helping people find the right solution to get out of debt.

American Consumer Credit Counseling (ACCC) is one of the top nonprofit debt consolidation companies in the U.S., with more than 22 years' experience helping individuals and families consolidate credit card debt and improve their credit management skills. If you're wondering "How does debt consolidation work?" and "How can I consolidate my bills?", we can provide you with debt consolidation information to show you exactly how we can help you consolidate debt without having to borrow money or pay steep fees. If you're considering bankruptcy, we are also one of the approved credit counseling agencies for issuing a pre-bankruptcy certificate as well as providing the post-bankruptcy credit counseling course.

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