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Debt Management Program

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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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Credit Card Debt Consolidation Loans

The hidden dangers of credit card debt consolidation loans.

Following the recent economic crisis, many people have considered credit card debt consolidation loans in an effort to pay down the balances and their credit cards. While their attempt to reduce credit card debt is a step in the right direction, credit card debt consolidation loans are not necessarily the best way to get out of debt. Consumers considering Credit card debt consolidation loans frequently do not have high credit scores and will find it hard to get a loan at competitive prices. Consequently, many companies offering credit card debt consolidation loans will charge higher interest rates for the loan, or include hidden fees and charges.

If you’re comparing credit card debt consolidation loans, call American Consumer Credit Counseling (ACCC) before you make a decision. We’re a non-profit company dedicated to helping consumers learn how to get out of debt and we offer a wide variety of educational resources to help you better understand how to pay off debts. We also offer a debt management program that is a more affordable alternative to many credit card debt consolidation loans. To take the first step in eliminating your credit card debt, contact us today to set up a free consultation with one of our professional debt counselors.

An affordable alternative to credit card debt consolidation loans.

A debt management program from ACCC is a great alternative to credit card debt consolidation loans and many of those other companies charge significant fees for consolidating credit cards. We charge only a small enrollment and monthly maintenance fee – no hidden charges, and no exorbitant rates. Our rate structure is the lowest in the industry.

When you come to ACCC to consolidate your credit card debt, here’s how the process works:

  • An ACCC credit counselor will evaluate your financial picture.
  • The counselor will work with you to create a plan and budget you can live with while paying off your debt, usually within five years.
  • We’ll consolidate all your debt into a single lump sum. You’ll make one monthly payment to ACCC, and we’ll disburse funds to creditors on your behalf.
  • We’ll work to reduce your interest rates on credit cards as well as any late fees and over-limit charges. We’ll also work for a possible reduction in the amount of time it will take to pay off your debts.

Learn more about credit card debt consolidation loans.

ACCC also provides free access to a wide variety of educational resources where you can learn more about credit card consolidation loans, how to create a workable budget, how to improve you credit score, and where you can get answers to questions like “How do I get out of debt?” and “What is debt consolidation?”

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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