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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 program

Is a debt consolidation program right for you?

Enrolling in a debt consolidation program can be an effective strategy for dealing with high credit card balances or multiple loans.

With a debt consolidation program, you typically take out a single new loan in order to pay off a variety of credit cards, bills and personal or student loans. If the rate on your new loan is lower than the rate on your old loans, you can save money on interest. Or you may be able to lower your monthly payments by stretching out the terms of the new loan to give you more time to pay off the debt.

Before beginning a debt consolidation program, it’s important to get debt consolidation help from consumer debt counselors. Consolidation isn’t the right option for everyone, and debt consolidation with bad credit can leave you owing more money or taking longer to pay off your loans.

For nonprofit financial counseling services that you can trust with your questions about a debt consolidation program, contact the professionals at American Consumer Credit Counseling (ACCC).

Evaluate debt consolidation program options with ACCC.

At ACCC, our mission is to help you get control of your finances and find the best way to live without debt. We offer free credit card debt counseling that can provide you with a detailed analysis of your finances and a number of options for paying off your debt. That may include a recommendation for a debt consolidation program, or for other types of debt management strategies.

In addition to free credit counseling and help with a debt consolidation program, we offer a range of low-cost services for debt management, bankruptcy counseling, housing counseling and other financial matters. As a nonprofit organization, we are able to keep our fees among the lowest in the industry, and we also offer lots of financial resources and educational materials on our website, where you can learn more about managing money to avoid debt.

Debt management: an alternative to a debt consolidation program.

As one of the nation’s leading credit counseling companies, we frequently recommend that consumers consider a different kind of debt consolidation program: debt management.

Rather than consolidating debts by taking out a new loan, a debt management program consolidates your monthly payments instead. You’ll make one payment a month to ACCC, and our team will pay all your bills on time every month. Your financial life will seem much simpler with just one check to write every month. And we’ll contact your creditors directly to ask for reductions in your interest rates and monthly payment, helping to reduce the amount you owe and get your debt paid faster.

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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