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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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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.

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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