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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 debt relief

Your credit debt relief options.

When your financial situation feels out of control and you’re considering debt consolidation and credit repair, the right credit debt counseling company can help you find credit debt relief.

There are lots of ways to manage your bills and loans to find credit debt relief, and some are more effective than others. Professional debt counselors can help you determine which option is likely to be most effective, based on your financial situation and goals. Credit counselors can also help you create a get out of debt plan that works with your income and budget.

As you look for companies to help you find credit debt relief, consider the nonprofit services available from American Consumer Credit Counseling (ACCC).

ACCC: free credit counseling for credit debt relief.

ACCC has been helping individuals and families find credit debt relief since 1991. As a nonprofit organization, our mission is to help consumers find the most effective credit solutions for getting out of debt permanently. To that end, we offer free credit counseling and low-cost debt management programs, with fees that are among the lowest in the industry.

Our counselors are certified, highly trained and available by phone and in person to talk you through your credit debt relief options. During your free credit counseling session, we’ll help you get a clear picture of your finances and provide you with a personalized list of options for credit debt relief based on your financial objectives.

We can also point you to a wealth of educational materials on our website that can help you to budget more effectively, learn about saving for college and retirement, and pick up money management skills that can help you achieve your goals more easily.

Benefits of credit debt relief through a debt management program.

One of the most effective ways of achieving credit debt relief is with a debt management program. Under this option, you’ll consolidate all of your monthly bill payments and write just one check each month to ACCC. We’ll use that money to pay all your creditors on your behalf, making your financial life much simpler and less stressful. That also allows us to make sure your bills are paid on time to help avoid additional charges and fees. And we’ll contact all your creditors to seek reductions in interest rates and monthly payments, and to re-age your accounts so that they no longer are considered overdue.

The result of this kind of consolidated debt relief is that you can pay off your debt faster – usually within 60 months or less – while improving your credit score and developing the habits that will help you to live debt-free in the future.

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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