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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 Reduction

Make a credit card reduction plan with ACCC.

For anyone who owes too much money on their credit cards, American Consumer Credit Counseling (ACCC) offers free credit counseling and affordable credit card debt reduction programs. We are a non-profit organization whose mission is helping consumers solve their credit problems and get out of debt through credit card reduction and debt management programs. Our certified credit counselors can help you sort through your options for credit card relief and select the strategy that will help you reach credit card payoff more quickly. Over the past 22 years, our debt management and credit card reduction methods have enabled tens of thousands of individuals and families to pay off their cards, get rid of debt and live a debt-free life.

Credit card reduction through debt management.

One of the most effective strategies for credit card reduction is a debt management program. Rather than transferring balances or taking out a new loan to consolidate credit card debt, a debt management plan involves consolidating payments, allowing you to make just one convenient payment each month. Our counselors will work with you to create a budget and determine how much money you can set aside to pay down your cards each month. You’ll make that payment to ACCC and we’ll in turn make payments to all your creditors. That means you only have to worry about making one payment each month – you can even choose the payment date that is most convenient for you. We’ll also see if credit card negotiation is available from your credit card companies, seeking a possible reduction in your interest rates, finance charges, late fees and over-limit fees. That means your monthly credit card reduction payment to ACCC will likely be less than the total amount of payments you were making before.

The top reasons to work on credit card reduction with ACCC.

Our credit card reduction services offer many benefits over other credit card relief programs:

  • Lower costs. The fees for our credit card relief program are among the lowest in the industry. Plus, we help secure reductions in interest rates and finance charges to save you money.
  • Free credit counseling. Your conversations with our certified credit counselors are free. We’ll evaluate your entire financial situation and help you choose the course of action best suited to your unique situation.
  • More convenience. Our counselors will handle all the details of your credit card reduction plan, from contacting creditors to making payments.
  • Educational resources. We offer a wide variety of education materials about debt reduction, including free calculators, tools and educational resources on our web site to help you avoid debt and manage your finances more effectively.
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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