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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 problems

Credit card debt problems weighing you down?

If you have credit card debt problems, chances are you have a few other financial problems too. Some that you may not even be aware of! Credit card debt problems can damage your credit rating, making it more difficult to get a car loan, take out a mortgage, or rent an apartment. Credit card debt problems can take a psychological toll as well – you may feel like you’ll never be able to catch up with your payments or live a debt-free life.

At American Consumer Credit Counseling (ACCC), we know how difficult dealing with credit card debt can be. We’ve been helping individuals and families resolve their credit card debt problems for more than 20 years. As a nonprofit organization, our mission is to help consumers find ways to pay off their debts and learn to live debt free. We offer free credit counseling and credit card debt advice, and our fees for our debt management program are among the industry’s lowest. For a free, no-obligation evaluation of your finances and credit card debt problems, contact us today.

Solve credit card debt problems with ACCC.

Here’s what happens when you call ACCC. First, a highly trained credit counselor will speak with you to review your finances and your credit card debt problems. Then we’ll talk about your goals – whether it’s lowering credit card debt, saving for the future, or buying a home. We’ll lay out all your options and answer your questions about credit card debt and bankruptcy, debt settlement, and other ways of getting out of debt. Finally we’ll help you select and set up the plan that will most effectively deal with your credit card debt problems.

A debt management plan can eliminate credit card debt problems.

One of the best ways to handle credit card debt problems is a debt management plan. In a debt management plan, all of the monthly payments to your creditors are consolidated into a single payment to ACCC. We use the money to make payments to each of your individual creditors while also seeking reductions in interest rates, finance charges and other fees. This helps to make sure your creditors are paid on a timely basis, and helps to lower credit card debt more quickly by reducing the total amount you owe. As opposed to a credit card consolidation loan or debt settlement arrangement, your credit score won’t take a beating and you won’t have to take out new loans to pay off old debts.

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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