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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 solution

What’s the right credit debt solution for you?

When your debts and credit card balances are spiraling out of control, it’s time to seek a credit debt solution that can help you pay off your debt and eliminate the constant stress of being behind financially.

When seeking a credit debt solution, you’ll have a large number of options to choose from. From credit settlement firms to a personal debt consolidation loan and bankruptcy, there are many strategies for paying off debt. Some involve taking on new debts to pay off old loans while others require you to pay for professional services to implement a debt relief solution.

Few of these options for a credit debt solution are without risk — in many cases, you may end up actually owing more money than when you started. That’s why it’s important to consult a professional credit counselor before embarking on any credit debt solution.

Get the credit debt solution advice at ACCC.

At American Consumer Credit Counseling (ACCC), we provide free credit counseling to help people just like you choose the most effective credit debt solution for their financial situation. Our counselors are available by phone or in person to walk you through all the credit debt solution options available to you based on your financial picture and financial goals. We can help you set a reasonable budget to pay down your debt over time, and answer questions about how to pay off credit card debt more quickly and how much credit card debt is okay for your credit rating. Most importantly, we can outline the pros and cons of each credit debt solution and help you make the choice that is right for you. We offer advice you can trust — as a nonprofit organization, our only goal is to help individuals and families find their way out of debt and learn to avoid debt in the future.

Debt management is a highly effective credit debt solution.

At ACCC, we have found our clients often benefit most from one particular credit debt solution: a debt management plan. Under this arrangement, you will make one simple payment each month to us and we’ll pay each of your creditors on your behalf. With this credit debt solution, you’ll find it easier to stay on top of your monthly payments, eliminating much of the stress of owing money. A debt management plan also enables us to work with your creditors to seek possible lower interest rates, reduced finance charges and to eliminate late fees and over-limit charges, ultimately enabling you to pay down your debt more quickly or make your monthly payment more manageable.

Learn more about determining the right credit debt solution for you, and get answers to questions like “What is my debt to income ratio?”

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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