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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 Management

Wise Credit Management Can Put You on the Road to Financial Freedom

You may find yourself deep in a hole of debt, either due to major life events beyond your control or perhaps because of a series of decisions over time that added up to trouble. If this is the situation you find yourself in, don’t despair. A commitment to wise credit management going forward will enable you to slowly but surely make your way back to a life free of debt. American Consumer Credit Counseling (ACCC), one of the nation’s leading non-profit debt management agencies, can help you get there.

ACCC’s Credit Management Counseling

ACCC’s professional credit counselors are standing by to develop a credit management plan tailored to your particular circumstances and goals. You can talk to one of ACCC’s certified credit management counselors at a time that’s most convenient for you, six days a week including evenings. Our free debt counseling services include evaluating your current financial situation, proposing a workable budget, and providing you with educational resources. If appropriate for your circumstances, your counselor will also tell you about ACCC’s highly effective program for personal debt consolidation.

Successful Credit Management Through ACCC’s Consolidation Program

In the more than two decades since ACCC was founded, our debt consolidation program has helped tens of thousands of consumers to strengthen their credit management skills and become debt-free. Unlike companies that advertise loans for debt consolidation, ACCC’s program doesn’t require more borrowing. You may wonder, how does debt consolidation work with ACCC? It’s simple: we work out an agreement with your creditors so that each month you make one consolidated payment to ACCC, and we then pay each of your creditors. Very often, creditors participating in these arrangements are willing to lower interest rates and waive existing late fees or over-limit fees, so that your total monthly payment ends up being less than it is now.

In most cases, participants in this program are able to pay off their debts and have a new lease on life in less than five years. In conjunction with the consolidation program, we also provide you with a variety of helpful support services and resources, including a self-directed credit counseling course – our Financial Peace of Mind program – that will elevate your credit management knowledge and skills.

Take the first step toward a brighter financial 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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