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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 counseling

Credit card debt counseling can help you pay down your cards.

Credit card debt counseling can be an excellent way to begin to take back control of your finances and pay off your credit cards. A reputable credit counseling center can help you get a clear picture of your finances and understand the many options and strategies available to you for reducing and eliminating your credit card debt.

Choosing the right credit card debt counseling service is important. There are some for-profit agencies that will charge high fees for credit card debt help or offer debt consolidation services that may not be in your best interest.

When you want a credit card debt counseling agency you can trust, consider the non-profit services available from American Consumer Credit Counseling (ACCC).

Credit card debt counseling from ACCC.

Since 1991, ACCC has provided credit counseling, credit card debt counseling and other financial services to individuals and families nationwide. As a leader in the credit counseling industry, we’re dedicated to helping people just like you regain control of their financial situation and make a plan to pay off their debt.

Our counselors are highly trained, certified, and available six days a week to provide credit card debt counseling in person or over the phone.

With credit card debt counseling from ACCC, you can:

  • Enjoy free credit counseling – your credit card debt counseling session is free of charge, and our services for additional help are among the lowest in the industry.
  • Work with experts – our counselors are highly experienced at helping consumers just like you to take control of their finances and make a plan to pay off their credit cards.
  • Get support as long as you need it – we provide ongoing counseling and support for as long as it takes for you to reach your goals.

How ACCC’s credit card debt counseling works.

When you contact ACCC for credit card debt counseling, our counselors will first work with you to evaluate your financial situation and prepare a detailed review of your income, assets and expenses. Next, we’ll discuss a variety of options based on your financial situation and your financial goals, and help you decide which strategy is right for you.

In addition to our credit card counseling service, we offer debt management plans, bankruptcy counseling and credit repair counseling. Our counselors can also share with you a wealth of tools and educational materials on our website that can help you to budget more effectively, manage money in order to reach your goals, and understand the pros and cons of financial strategies such as online debt consolidation, debt settlement and debt negotiation.

Learn more about credit card debt counseling and ACCC.

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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