Skip to Content

Consumer Debt

Get relief from consumer debt.

After the recent financial crisis, many individuals and families have found themselves with more consumer debt than they can handle. From credit cards or department store cards to credit lines and unsecured personal loans, high levels of consumer debt can quickly become overwhelming. Many people with significant consumer debt feel as though they'll never get out of debt, and that they have to work longer and harder just to keep up with payments.

If you're concerned about consumer debt or can't keep up with the payments on money you owe, a debt management program or debt and bill consolidation with American Consumer Credit Counseling (ACCC) may be the answer. We're a non-profit organization dedicated to credit card debt relief and providing solutions for getting rid of debt. Our programs are effective and deliver results that you can rely on. Working with a credit counselor from ACCC, you can take control of your finances and make a plan to live a debt-free future.

Debt relief begins with evaluating your financial picture and consumer debt.

When you come to ACCC for help with your consumer debt, our credit counselors will take a look at your entire financial situation. The next step is debt relief consolidation to help you simplify your unsecured debts, which may include consumer credit cards, department store cards and any other unsecured debts or loans. ACCC's debt management program consolidates all your unsecured debts, enabling you to make a single monthly payment and simplifying your personal finances.

ACCC counselors can also work with your creditors for a possible reduction in late fees, finance charges, monthly payments and other fees, as well as the time it takes to pay off your consumer debt. And we'll help you create a budget to manage your finances and debt, and work with you to create a plan that will help you live debt-free in the future.

The benefits of a consumer debt management program.

When you come to ACCC for help with debts, you'll be able to:

  • Get out of debt faster, usually within five years.
  • Save money by lowering your payments, reducing interest rates and eliminating late or over-the-limit fees.
  • Simplify your financial picture by consolidating your debts into a single monthly payment
  • Reduce the stress of high consumer debt by creating a plan to take control of your debt and live a debt-free future.

Our credit counselors are available to answer questions like "How do you consolidate debt?" and "What is a debt management program?" Contact us today to take the first step toward ending your consumer debt.

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, debt reduction programs and debt relief services to help consumers nationwide figure out how to pay down debt and how to get out of debt quickly. Our professional credit counselors provide free credit counseling to help individuals and families find the right debt solutions to help with credit card debt and avoid debt in the future. Our debt management programs provide help with debts by consolidating payments on credit card debt and other unsecured loans, with credit card negotiation services to reduce credit card debt interest rates and finance charges, helping consumers to pay off debt more quickly.

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