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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 solutions

Financial troubles? Credit solutions from ACCC can help.

When your finances are out of control or you’re carrying too much debt, there are a number of credit solutions that can help you to address your financial troubles. For most individuals, the challenge is knowing which credit solutions to choose, and which credit debt relief companies to trust.

When you have multiple loans or debts, you’ll likely get offers from lots of debt consolidation services offering credit solutions to pay off existing loans by taking out a new loan. The problem with this approach is that if you are deeply in debt, you probably won’t qualify for the kind of low interest rates that can really help you save money and pay off your loans faster.

Other credit solutions include debt negotiation and debt settlement services. But this approach – where you stop paying creditors in order to increase their willingness to settle your debt for a lesser amount – can often backfire and leave you with even more debt along with a damaged credit rating.

American Consumer Credit Counseling (ACCC) offers a smart alternative to these credit solutions: a debt management program that helps you make a plan to pay off your debt and provides the resources and support you need on your journey to a debt-free future.

Credit solutions and financial services from highly trained counselors.

ACCC is a nonprofit credit counseling organization dedicated to helping consumers take control of their financial situation and learn to avoid debt in the future. We offer a variety of financial services, including free credit card debt counseling and low-cost services for credit solutions like a debt management program. Our debt counselors are certified and highly trained, and are available by phone and in person to speak with you about your financial situation.

ACCC provides free credit counseling sessions to discuss your situation and possible credit solutions. At that time, our certified credit counselors will help you analyze your finances, document your income and expenses, and develop a list of personalized options for credit solutions to pay down your debt. Depending on your situation, this list may include a recommendation for a debt management program.

Benefits of ACCC’s credit solutions and debt management program

With ACCC’s debt management program, you’ll consolidate payments rather than consolidating credit card debt with the new loan. Each month, you’ll make a single payment to ACCC, and our credit counselors will make payments to your creditors from those funds. We’ll take responsibility for making sure your bills are paid on time each month. And we’ll work with your creditors to ask for reductions in your interest rates, your monthly payment and your fees, to potentially help you pay off your debt more quickly.

Learn more about credit solutions and ACCC.

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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