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Debt Advice

Solve your financial issues with professional debt advice

If debt from credit cards, loans, and unpaid bills is weighing you down, it may be time to seek debt advice from a professional credit counselor. Non-profit credit counselling services are often available free of charge and give you access to financial experts who can show you all the strategies for paying down debt. Credit counselors can also offer advice on the best strategy for you, based on your financial situation.

When you’re ready to take the first steps to address your financial issues, American Consumer Credit Counseling (ACCC) can help. As a non-profit organization, we offer free debt counseling services and low-cost debt management programs that have helped thousands of individuals just like you to find their way out of debt. When you’re looking for clear and honest debt advice from someone with your best interests in mind, the knowledgeable credit counselors at ACCC are ready to help.

Our best debt advice: consider a debt management plan

At ACCC, we often recommend a debt management plan to individuals and families as they seek the best path out of debt. If your credit counselor recommends a debt management program, here are the steps you’ll take as you create a plan to pay off your debt over time.

  1. Develop a reasonable budget. In your first meeting with an ACCC credit counselor, you’ll develop a reasonable budget – in other words, one that won’t ask you to make sacrifices you can’t sustain over time. To be successful, your budget must be something you can actually live with as you make payments on your debt each month.
  2. Consolidate your payments. Once you’ve determined how much money you can set aside for debt reduction each month, you’ll make just one payment to ACCC and we’ll disburse those funds to your creditors for you. With just one bill each month, you’ll find it easier to make that payment on time. And by simplifying your finances, you’ll find your stress level about your finances will be greatly reduced.
  3. Seek reductions in charges. Your ACCC counselor will approach your creditors to ask for reductions in interest rates on loans and credit cards and elimination of finance charges, late fees, and over-limit fees. That will reduce the total amount you owe, helping you to pay it off faster. We may also seek to re-age your accounts, allowing you to pay off your debt over a longer period of time in order to minimize your monthly payment.

ACCC: free credit counseling and debt advice

ACCC has been helping individuals and families find their way out of debt since 1991. Our mission is to educate consumers on financial management and help them take back control of their finances. We provide a wide range of services – from free credit and debt management counseling to low-cost debt management plans. We also offer budget counseling, housing counseling, bankruptcy counseling, and student loan counseling, as well as access to a wide range of free educational materials and financial tools.

When you come to ACCC for free credit counseling and debt advice, you’ll meet with a highly trained and certified counselor can show you all the potential ways for paying off your debt. After documenting your income, expenses, assets, and liabilities, your counselor will offer you a list of personalized options based on your financial goals and help you choose the strategy that is best for you.

With debt advice from ACCC, you’ll feel great knowing there are options for addressing your financial difficulties. You’ll know that you don’t have to face your troubles alone – our team will be available to help you throughout your journey to a debt-free future.

Why choose debt advice from a non-profit agency?

There are lots of companies in the credit industry offering debt advice and strategies for addressing your financial troubles. Here’s why you want to look for a non-profit agency over a for-profit firm.

  1. Free services and lower fees. Non-profit credit counseling agencies like ACCC offer free credit counseling and low-cost debt management services that will help you get out of debt without adding to your financial trouble. For-profit firms like debt settlement, debt consolidation, and debt negotiation agencies typically charge significant fees for their services.
  2. A firm that’s on your side. Non-profit agencies are mission-driven organizations dedicated to serving the needs of individuals and families in financial trouble. For-profit firms are driven by the need to make money and may not have your best interests in mind.
  3. A plan to avoid debt in the future. Non-profit agencies will provide debt advice and education that helps you learn to avoid the future. You’ll learn about strategies for managing money and about financial habits that will help you achieve your financial goals.
  4. A sound debt management strategy. The debt advice you get from non-profit agencies will help you pay off your debt over time while preserving or rebuilding your credit rating. In contrast, for-profit companies will often ask you to stop paying your creditors to force them to settle. While this strategy is sometimes successful, there’s no guarantee it will work. Unfortunately, for many consumers, this type of bad debt advice leaves them more deeply in debt, with a ruined credit rating, and facing legal troubles as well.

The benefits of working with ACCC

When you come to ACCC for debt advice, you will:

  • Work with highly trained and certified counselors. Our credit counselors are extremely knowledgeable about everything from credit card counseling and debt consolidation to debt settlement and debt management. They’ll show you the pros and cons of each approach to paying off debt, and help you settle on the strategy that is right for you.
  • Benefit from three decades of experience. Since 1991, we’ve helped thousands of consumers just like you to pay off their debt and learn to live debt free. We have an A+ rating from the Better Business Bureau and we are a member of the National Foundation for Credit Counseling (NFCC).
  • Take advantage of free and low-cost services. We offer free credit and debt counseling services as well as debt management plans with fees that are among the lowest in the industry.
  • Learn how to manage money to reach your financial goals. Our free educational materials and financial tools can help you pick up the skills, habits, and knowledge you need to get out of debt for good and achieve your financial goals.
  • Enjoy superior customer service. Our team is dedicated to providing outstanding customer service. We are available to assist you six days a week and we provide services in English and Spanish. We also offer a convenient online chat function that lets you get quick and confidential answers to your questions.

FAQs: Where can I find debt advice?

Where can I find debt advice?

When you’re looking for debt advice to address financial issues, a non-profit credit counseling agency is the best bet. Non-profit agencies like American Consumer Credit Counseling (ACCC) typically offer free credit counseling sessions and low-cost debt management services.

What kind of debt advice does a credit counselor offer?

When providing debt advice, credit counselors will evaluate your financial situation and outline a variety of options for getting out of debt. Counselors will explain the advantages and disadvantages of each approach, and help you decide which strategy is right for you.

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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