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Consolidating Bills

Who Should Use a Debt Management Plan for Consolidating Bills?

Consolidating bills through a debt management plan is the first step toward relief from a growing mountain of unsecured debt. While no one wants to face financial hardship, it can happen to anyone for unexpected reasons like illness, death, a work-related injury, or an accident. And sometimes it happens because of unwise credit decisions.

So, simply put, anyone can use a debt management plan for consolidating bills. These consolidated debt programs can alleviate the stress of making multiple monthly payments on time. Debt management programs also help you pay off your debt without incurring more debt from a credit consolidation loan and typically quicker than you would when paying down your debt on your own.

When Should I Start Consolidating Bills?

You should talk to a credit counselor about consolidating bills if you are feeling overwhelmed by your debt. You may be worried about where the money is going to come from to pay your next bill, or you are no longer making on-time payments to your creditor or are not making payments at all. The longer you delay finding consumer debt solutions to your problem, the worse your situation becomes. If you don't take effective action, interest rates will rise, late fees will pile up, and your credit rating will drop.

ACCC's Debt Management Program for Consolidating Bills

Consolidating bills through the debt management program at American Consumer Credit Counseling (ACCC) is easy and effective. One of our expert credit advisors will evaluate your financial situation and work with your creditors to come up with a debt management plan that helps you pay off your debt within a workable budget. Then you send a single payment to us every month, and we distribute the money to each creditor in the plan.

ACCC has provided credit consulting services for more than 22 years. We are a member of the National Foundation for Credit Counseling (NFCC) and are accredited by the Better Business Bureau with an A+ rating. In addition to our debt management program, we offer:

  • Credit counseling
  • Bankruptcy counseling (pre-bankruptcy counseling and post-bankruptcy debtor education)
  • Housing counseling
  • Financial education

So if you're feeling the pinch on your finances and are saying, "I'm ready to consolidate my bills," contact ACCC today for more information on how our debt management program and other services can help you.

American Consumer Credit Counseling (ACCC) is a nonprofit agency providing free credit counseling and credit card debt counseling as well as low-cost financial counseling services for individuals and families carrying too much debt. Consumers can work with a certified and highly trained credit counselor or debt consultant to understand their financial situation, consider ways of consolidating credit card debt and make a plan to get out of debt for good. Our debt management services provide debt consolidation help and consolidated debt relief by consolidating payments rather than loans. We offer lots of information about credit counseling online, as well as information about the pros and cons of a debt settlement agreement. We also provide bankruptcy counseling and information about life after bankruptcy.

Better Business Bureau Mass Housing Approved National Industry Standards for Homeownership Education and Counseling Council on Accreditation NFCC Member