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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 forgiveness

Is credit card debt forgiveness the right answer?

When your credit card debt feels overwhelming, credit card debt forgiveness programs may seem like the perfect option. There are many companies advertising credit debt services that make credit card debt forgiveness seem like a painless solution to paying off your bills.

But before starting a credit card settlement process or entering a relationship with a debt forgiveness firm, it’s important to make sure you understand the risks. Your credit rating may be damaged for years. Many companies charge very high fees for seeking credit card debt forgiveness. Some firms may recommend that you stop paying your bills while they negotiate with your creditors, and if those negotiations fall through you may wind up with more fees, penalties and even a lawsuit filed against you.

There are many other alternatives to paying off high interest credit cards, including consolidating credit card loans, debt management programs and other options. When you want advice about credit card debt forgiveness and how to get out of debt most effectively, the professional credit counselors at American Consumer Credit Counseling (ACCC) can help.

Learn more about credit card debt forgiveness.

ACCC is a nonprofit organization with more than two decades of experience helping thousands of individuals and families pay off their debts and learn to live debt-free. We offer free credit counseling and low-cost debt management programs that are a highly effective alternative to credit card debt forgiveness.

During your fee counseling consultation, our highly trained and certified credit counselors will work with you to get a clear understanding of your financial situation and goals. We’ll take you through all the options available to you for paying down your debt, including other potentially helpful programs. And we’ll answer all your questions about getting out of debt, including questions like “How do I consolidate credit card debt?” and “How can I avoid falling into debt in the future?”

The benefits of debt management over credit card debt forgiveness.

For many ACCC clients, we find that a debt management plan is far more effective at reducing debt than a credit card debt forgiveness program. With our low-cost debt management plan, you’ll make a single payment to ACCC each month rather than making lots of payments to various creditors. We’ll then pay each of your creditors on a regular basis while working with them to possibly reduce interest rates, finance charges, late fees and over-limit fees, helping to reduce the amount you owe and enable you to get out of debt more quickly. With a debt management plan from ACCC, most of our clients are able to pay off their debt within five years or less.

Learn more about the pros and cons of credit card debt forgiveness at ACCC, and get answers to questions like “What does a debt counselor do?”

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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