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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 consolidation counseling

Is debt consolidation counseling right for you?

If you’re carrying high credit card balances or lots of debt, you may be considering debt consolidation counseling services as a way of addressing your financial troubles.

Debt consolidation counseling is designed to help you take out a single new loan to pay off other multiple debts, hopefully simplifying your financial life and eliminating some of the stress of owing lots of money to lots of people. If you’re able to borrow money at a lower interest rate than your current debts, consolidated debt relief may help you pay off your debt faster, reduce your monthly debt payments and/or save money on interest over the life of your loans.

But before you jump into debt consolidation counseling, you should consider whether consolidation is really the most effective path out of debt for you. There are many other effective ways to pay off debt, and for people who consolidate debts without addressing the issues and choices that got them into debt in the first place, debt consolidation counseling may just be one more way of putting off the action required to successfully eliminate debt.

When you want expert advice on whether debt consolidation, debt settlement negotiation or debt management is the best option for you, consult the knowledgeable debt advisors at American Consumer Credit Counseling (ACCC).

ACCC: a smart alternative to debt consolidation counseling.

ACCC is a nonprofit debt counseling organization that has been helping individuals and families get out of debt since 1991. Our professional trained and certified counselors can assist you with all of your financial needs and help you develop a plan of action to address your financial situation.

In contrast to debt consolidation counseling, we provide credit counseling services that look at all the options available to you for paying down your debt. We start by working with you to get a clear picture of your financial situation, documenting your income, expenses, assets and debts. Then we provide a personalized list of options based on your financial goals and help you put together a plan for paying off your debt over time.

In addition to credit counseling, we provide housing counseling and bankruptcy counseling, including information about what life after bankruptcy is like. And our counselors can answer your questions about all the various ways of managing debt, including debt settlement, debt negotiation and government debt consolidation programs.

Benefits of debt management over debt consolidation counseling.

At ACCC, we believe that debt management is often a more effective way to eliminate debt then debt consolidation. When you choose a debt management plan rather than debt consolidation counseling, you can:

  • Avoid taking on new debt. Under a debt management plan, we work with your existing creditors to seek lower fees and reductions in interest rates.
  • Save money. Our service fees for debt management are among the lowest in the industry.
  • Rest easy. With a debt management plan from ACCC, our credit counselors handle all the details – from providing advice to contacting your creditors and paying your bills each month.

Learn more about ACCC’s alternatives to debt consolidation counseling.

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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