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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 elimination

Where to find help with credit card debt elimination.

Credit card debt elimination is an important part of a secure financial future. Too much credit card debt may prevent you from qualifying for a mortgage, from getting an apartment rental, or from securing a car loan. And it can make it hard to save for college, retirement, or things you want to buy in the future.

But dealing with credit card debt can be tough to manage on your own, especially if you owe a lot of money to a lot of different credit card companies. When you need credit card debt advice and help with credit card debt elimination, American Consumer Credit Counseling (ACCC) can help.

Why choose ACCC for credit card debt elimination.

ACCC is a nonprofit organization that specializes in helping people regain control of their finances through credit card debt elimination and other financial strategies. We offer free credit counseling and low-cost debt elimination services that can help you lower credit card debt, pay off unsecured loans, and get out of debt once and for all.

Our highly trained credit counselors work with you to get a complete picture of your financial situation and lay out all the options available to you for credit card debt elimination. Counseling is available in person and over the phone. We also provide a wide variety of free educational resources on our website on topics such as budgeting, preparing for retirement, buying a home, bankruptcy and credit card debt.

Credit card debt elimination in four steps.

Depending on your financial situation, our counselors may recommend a debt reduction plan, better known as a debt management plan, as the best way to achieve credit card debt elimination. A debt management plan involves four steps:

  • Evaluation. Our counselors will speak with you to get a clear picture of your financial situation and make a credit card debt elimination plan.
  • Budgeting. We’ll help you establish a budget that you can live with while you work on credit card debt elimination.
  • Consolidation. We’ll consolidate all of your payments to credit card companies into a single payment to ACCC. You’ll make just one payment each month to us, and we’ll pay the credit card companies for you. This makes it much easier to keep up with your payments – and it’s a lot less stressful, too.
  • Reductions. We’ll approach your creditors to ask for reductions in interest rates, finance charges, and other fees. This helps to reduce the amount you owe and lets you pay it off faster.

With a debt management plan, most of our clients are able to achieve credit card debt elimination within five years. As opposed to a credit card debt settlement arrangement, a debt management plan will not damage your credit rating in the long run.

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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