Skip to Content
 COVID-19 Information from ACCC

Debt Consolidation

Our debt consolidation plan is designed to provide a unique solution to your personal financial situation. We will provide you with options to help you plan for a debt free future...

Debt consolidation can help you with your unsecured debt (debt not linked to an asset).

Through a debt consolidation plan you will be able to combine most, if not all of your unsecured debt and make one single monthly payment. Those accounts will still exist, but will be paid monthly through your account at ACCC. You will find that by engaging in a debt consolidation program you will become more organized and accurately understand your financial obligations each month. Debt consolidation may also lower your monthly payments.

Examples of unsecured debt include: credit cards, department store cards, credit lines, and unsecured personal loans are all examples of unsecured debt. Each month, we disburse payments to your creditors on your behalf.

Upon enrolling into a debt management plan we will create a proposal to your creditors for a possible reduction in interest rates, perhaps re-aging your accounts and making them current, or removing penalties. Your debt management plan also may include a reduction in finance charges and over limit fees. And lastly, your plan may lower your monthly payments and the time required to pay off your debt.

Our professional credit counselors are available weekdays, evenings and weekends. Call to speak with a certified counselor to help you determine if a debt consolidation program is right for you, and to help you with a free budget analysis. Or begin the process with our online application.

Fill out the form below to Learn more

DMP-Button _Large

American Consumer Credit Counseling is a non-profit credit counseling and debt management center for individuals and families who want to settle credit card debt and learn to live life debt free. In our free counseling sessions, our certified credit counselors help consumers make a debt reduction plan for eliminating credit card debt over a period of time – usually five years or less. After reviewing a client’s financial situation, counselors work with consumers to find the best path to credit card debt elimination. This may involve providing education about credit card debt and bankruptcy, comparing debt consolidation vs chapter 13 bankruptcy or debt settlement services, and answering basic debt reduction and debt consolidation questions, such as “what is credit counseling?” and “how can I protect my credit score?”

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member