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Credit Reduction

Eliminate credit card debt with a credit reduction program.

When credit card debt is dragging you down, a credit card debt reduction plan from American Consumer Credit Counseling (ACCC) can help. As a non-profit organization dedicated to helping consumers out of debt, we offer free credit reduction counseling and low-cost credit card relief programs that can help you eliminate credit card debt and live debt-free. For more than 22 years, our certified credit counselors have been helping thousands of people just like you with strategies for credit reduction and debt elimination. Whether you want to improve your credit, eliminate debt or put a credit reduction plan in place, our counselors are standing by six days a week to answer your questions and help you take the first steps.

Credit reduction through a debt management plan.

When you come to ACCC for help with credit reduction, our counselors will work with you to evaluate your entire financial situation. They'll look at your income, expenses, assets and debts, and provide you with a number of credit reduction options based on your goals and your situation. They may also recommend a debt management program, which is one of the most effective ways to achieve credit reduction and pay off your debts. Unlike a debt consolidation or debt restructuring solution where you consolidate credit card debt under a new loan, a debt management program consolidates your payments. You'll make just one convenient payment each month to ACCC, and we'll disburse funds to your creditors on your behalf. This makes it easier to keep up with payments and simplifies your financial life to reduce your stress. It also lets us negotiate with your creditors to try to secure lower interest rates and finance charges, and possibly reduce or eliminate late fees and over-limit charges. In the end, this credit card reduction strategy usually means you'll pay less per month while also paying off your debt faster.

Why come to ACCC for help with credit reduction?

Savings. As a nonprofit, we're able to keep the fees for our credit card debt solutions as low as possible.

  • Convenience. From the initial evaluation to credit card payoff, we handle everything for you so you can focus on other things.
  • Education. We offer a broad range of educational resources on our website to help you learn more about managing money and staying out of debt.
  • Peace of mind. When you begin a credit card relief program with ACCC, you'll know you are taking steps to end your cycle of debt and that you are not alone in your journey – our credit counselors will be there to support you every step of the way.

American Consumer Credit Counseling (ACCC) is a nonprofit debt relief agency offering consolidated credit counseling and consumer debt solutions. If you have debt to consolidate, we can help you consolidate credit without taking a loan or paying high fees like some debt management companies charge. A fair, effective debt reduction service, our debt management program simplifies your payment responsibilities and often results in reduced interest rates from your creditors. As a leading national debt consolidation firm, ACCC has also been approved by the Department of Justice to provide credit counseling for bankruptcy both the pre-bankruptcy credit counseling certificate and the post-bankruptcy debtor education.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member