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Dealing with credit card debt

Dealing with credit card debt requires a good plan.

Dealing with credit card debt is never easy. However you came into the debt – a lost job, big medical bills, or poor spending decisions – dealing with credit card debt that has occurred as a result requires self-discipline and a solid plan of attack for credit card debt elimination.

That's where the credit counselors at American Consumer Credit Counseling (ACCC) can provide invaluable assistance. As a nonprofit organization, our certified debt specialists provide free credit counseling and low-cost debt management services for dealing with credit card debt. They can provide the support and advice you need to create the best plan for dealing with your credit card balances and other debt.

ACCC provides help for dealing with credit card debt.

Founded in 1991, ACCC is a leader in helping people nationwide who are dealing with credit card debt and other money management problems to regain control of their finances. Our counselors will work with you to evaluate your financial situation and outline all the options available to you for dealing with credit card debt. They can discuss the advantages and disadvantages of a credit card consolidation loan and debt settlement solutions, and direct you to the free educational resources on our website where you can learn more about managing money, avoiding bankruptcy and credit card debt, and how to live a debt-free life.

A plan for dealing with credit card debt.

One of our most recommended strategies for dealing with credit card debt is a debt management plan. After working with you to set a budget that you can live with while you pay down your credit card debt, we'll consolidate all of your debt payments into one monthly payment to ACCC -- we'll be responsible for making individual payments to all of your creditors. This simplified approach to dealing with credit card debt makes it much easier to stay current with your payments and takes a lot of stress out of owing money. We'll also contact all of your credit card companies to seek reductions in the interest rates they're charging you, as well as reductions in finance charges, late fees, and over-limit fees. These reductions lower the total amount you owe and make it easier to pay off your credit card debt more quickly. Whenever a client wants to know how to pay off credit cards fast, this is the approach we recommend, as most of our clients are able to pay off their credit card debt in five years or less.

American Consumer Credit Counseling (ACCC) provides non-profit credit counseling and debt reduction services for consumers with credit problems who want to know how to pay off credit cards and how to get out of debt. Our certified credit counselors have helped thousands of individuals and families nationwide pay off credit card balances and unsecured debt through credit card relief programs and credit card debt solutions. Our debt management plans provide a kind of personal debt consolidation strategy for help getting out of credit card debt, and we offer a wide variety of financial education services to consumers who need help getting out of debt and managing their finances more effectively.

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