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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 Negotiation

Turn to ACCC for credit card negotiation.

When you owe a lot of money on your credit cards, credit card negotiation can help you save money and pay off your cards more quickly. Credit card negotiation involves contacting credit card companies to possibly secure a reduction in interest rates, eliminate late fees and over-limit charges, reduce monthly payments, re-age your accounts so they are current instead of being in arrears, and shorten the time to credit card payoff.

Many credit card companies are willing to engage in credit card negotiation if they believe you are committed to making regular payments to pay down your debt. One way to demonstrate this commitment is to work with a certified debt management agency like American Consumer Credit Counseling (ACCC). As a non-profit organization dedicated to helping consumers out of debt, we employ credit counselors who can help you secure better terms on your credit card debts. Contact us today to learn more about our credit card debt solutions and to schedule a free, no obligation consultation with our credit counselors.

How credit card negotiation can help you pay off debt more quickly.

At ACCC, credit card negotiation is typically part of a debt management plan designed to help you pay off your debt faster – within five years in most cases. When you work with our credit counselors, they will first evaluate your entire financial situation and help you make a budget that will allow you to achieve credit card reduction more quickly. As part of your credit card relief program they may suggest consolidating all of your credit card payments and payments on other unsecured debts. This will allow you to make one easy payment each month to ACCC and we’ll disburse funds to credit card companies and other creditors for you. As part of the credit card negotiation process, we’ll work with your credit card companies for a possible reduction in interest rate, late fees and other charges. The goal of this negotiation is both to reduce the total amount you owe and the amount of time it will take to pay it off and achieve credit card relief.

The benefits of choosing ACCC for credit card negotiation.

From credit card negotiation, you could:

  • Eliminate credit card debt faster by reducing both the amount you owe and the amount of time it will take to pay it off.
  • Save money by working with a non-profit agency whose service fees are the lowest in the industry.
  • Reduce the stress of owing money by letting our expert staff handle all the details for you.
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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