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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 Assistance

Get debt assistance from a non-profit organization.

If you feel like you’re drowning in debt and don’t know where to turn, American Consumer Credit Counseling (ACCC) can provide expert debt assistance. We are a non-profit organization dedicated to helping consumers solve their credit problems and find a way out of debt. Our free credit counseling services and affordable debt assistance programs are designed to get you out of debt faster – usually within five years. Our highly trained and certified counselors are available six days a week to answer your questions and help you take the first steps on your journey out of debt. We offer a wide variety of educational resources and tools to help you improve your financial skills, and because we’re a non-profit, we’re able to keep our fees among the lowest in the industry. Contact us today to learn more about our debt assistance programs.

What kind of debt assistance does ACCC provide?

We offer a broad range of debt assistance services – everything from budget counseling to credit counseling to housing and bankruptcy counseling. One of our most effective debt relief programs is our debt management program. This debt solution is an excellent alternative to debt consolidation or bankruptcy. In a debt management program, our counselors provide assistance in creating a budget you can live with while paying down your debt. We’ll consolidate all of your debt payments – instead of making lots of payments to multiple creditors each month, you’ll make one convenient payment to ACCC. We, in turn, will handle all the payments to your creditors, helping to simplify your finances and let you focus on things other than paying bills.

This kind of debt assistance program is effective for several reasons. With just one payment to make each month, it’s easier to keep up with your payments and stick to the plan. You can decide which day of the month your payment will be due, making it easier to manage your cash flow. And because we are working directly with your creditors, it’s easier for us to engage in debt negotiation, seeking possible reductions in finance charges, interest rates, late fees and other charges in order to reduce the amount of money you owe and help you to pay off your debts faster.

Why choose ACCC for debt assistance?

  • You’ll save money. By reducing interest rates, fees and charges we can help you pay off your debt more quickly. Additionally, our service fees are among the lowest in the industry.
  • You’ll work with experts. Our certified credit counselors are highly trained and have provided debt assistance to tens of thousands of individuals and families over the past 22 years.
  • You’ll get excellent assistance and customer service. We support you every step of the way and handle all the details for you.
  • You’ll have peace of mind. Making a debt elimination plan will help you stop worrying about your bills and focus on other things in life.
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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