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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 Relief Programs

Erase your debt—credit card relief programs from ACCC.

If you’re carrying high balances on your credit cards and are struggling to pay them off, you’re not alone. The recent financial crisis left many people in a similar situation. Fortunately, American Consumer Credit Counseling (ACCC) offers credit card relief programs that can help you pay off your cards and get out of debt for good.

ACCC is a non-profit organization. Our mission is to help people who are drowning in debt take the necessary steps to eliminate credit card debt, pay off loans and live a debt-free future. Through credit counseling, credit card relief programs and debt management programs, we’ve helped tens of thousands of people since 1991 gain control of their finances and get out of debt. Contact us today for a free, no-obligation consultation to learn more about our credit card relief programs and a debt solution tailored to your needs.

How our credit card relief programs work.

During your first conversation with a certified credit counselors, we’ll evaluate your financial situation and help you set a budget you can live with while you work on a credit card reduction plan. We may recommend that you enroll in one of our debt management programs, depending on the details of your situation. In our debt management plan, we consolidate all of your payments to creditors, enabling you to make just one payment each month to ACCC. We then take the responsibility for distributing funds to your creditors directly while working with them for possible reduction in finance charges, interest rates, late fees and over-limit charges. Our counselors also find out if credit card negotiation is possible. Creditors are usually more willing to reduce or forgive charges when they know you’re actively working at reducing your debt through our relief programs.

The benefits of ACCC’s credit card relief programs.

By enrolling in our credit card relief programs, you can:

  • Simplify your finances, making one convenient payment each month instead of many payments to many creditors. You can even choose the payment date that works best for you. Our credit counselors will handle all the communication with your creditors, and they’ll make sure that payments are made correctly and on time.
  • Get faster credit card relief. Most of the clients in our credit card relief programs are able to pay off their credit card debt and other unsecured debts within five years.
  • Have peace of mind about your finances. When you take control of your finances and make a plan to pay off your debt, you’ll be able to worry less about money and relax in the knowledge that before long you’ll be debt-free.
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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