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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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Debt advisors

Finding debt relief with help from debt advisors.

When you feel like you are drowning in debt, you can find support, information and practical guidance from debt advisors who are skilled at helping consumers make a plan for reducing debt.

When faced with significant debt, many consumers may be tempted to turn first to a credit card debt consolidation company or a debt consolidation counseling service. While consolidation can be helpful for some consumers, it’s not necessarily the right choice for every individual or family. Debt advisors can help you to explore other options for resolving the debt, and determine which strategy is likely to be most effective in the long run.

It’s important to choose your debt advisors well. The best debt advisors are individuals or organizations that have been in business for at least seven years, have a state license, offer certified counselors and charge nominal fees. A nonprofit credit card counseling service is an even better bet, as you know their debt counselors will be looking to first and foremost to help you rather than to profit from your financial troubles.

The debt advisors at ACCC.

American Consumer Credit Counseling (ACCC) is a nonprofit credit and debt relief counseling agency that provides free credit counseling to consumers nationwide. Our mission: to help people find the best way out of debt and to live life debt-free in the future. Our debt advisors help individuals and families regain control of their financial situation through credit counseling and low-cost debt services.

Our debt advisors are certified and highly trained and can help you to get a clear understanding of both your financial situation and the options available to you for improving it. At your free credit counseling session, ACCC debt advisors will help you evaluate your situation and detail your income and expenses as well as your assets and debts. Then we’ll walk you through your options and help you decide which path is best for you.

The recommendation of our debt advisors: debt management

For many consumers, our debt advisors recommend a debt management as the most effective way to pay off the debt over time. Debt management is a form of consolidated debt relief where, instead of consolidating loans, you’ll consolidate the payments you make each month to your creditors. Rather than making lots of payments to lots of people, you’ll make just one payment each month to a fund at ACCC, and our team will use that money to pay your creditors each month on time.

By significantly simplifying your monthly finances, a debt management plan can reduce the stress you feel over your financial situation. And by allowing us to work with your creditors to seek reductions in finance charges, late fees, interest rates and payment schedules, we may be able to reduce the total amount you owe to help you pay it off faster.

Learn more about receiving help with your financial situation from debt advisors at 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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