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Debt Management Program

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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 Relief

Debt Consolidation Relief Means Different Things to Different People

Each person has a different perspective about debt consolidation relief, depending on individual circumstances. For example, some achieve debt relief by creating a budget and following it precisely every month. They plan their budgets so that they pay off the smallest debt first. Once that’s done, they take the amount that they’d been paying toward that bill and add it to the regular payment on the next largest debt, and do that each month until that debt is paid off as well. This cycle continues until all of their debts are paid in full. While this system may not be considered a true tactic on how to consolidate debt, the process works well for those who are not overburdened with expenses and are good at budgeting.

For others, debt consolidation relief means combining their monthly payments onto one credit card or a credit line. These strategies can be dangerous, because with multiple credit card accounts still open, they can be tempted to make new purchases on the empty cards. New balances can escalate quickly and cause further problems. If they got a credit line to consolidate debt by using their houses as collateral and the spending continues beyond their means, they could risk foreclosure.

The Effective, Lasting Path to Debt Consolidation Relief

One of the most effective ways to achieve debt consolidation relief is to contact a non-profit credit counseling agency. These organizations educate their clients about money management and using credit wisely. They help clients develop a consolidated payment plan to pay off unsecured debts and avoid accumulating more debt. Through these consolidated credit counseling services, debtors work with expert credit counselors, one-on-one, to create strategies that best fit their unique circumstances and achieve their ultimate goal of financial freedom.

Non-profit debt management companies, like American Consumer Credit Counseling (ACCC), can help you set up a solid, successful debt management program. ACCC also provides financial education and continued counseling, after your bills are completely paid, so that you continue building your confidence in controlling your debt and living a financially secure life.

ACCC Understands Debt Consolidation Relief

Are you ready for effective, reliable debt consolidation relief? Then call ACCC for a free credit counseling session. In about an hour, you will have a plan to become debt free. As a Better Business Bureau accredited credit counseling agency with an A+ rating and more than 22 years of experience, our commitment to outstanding customer service is second to none. We offer a range of services including credit counseling, consolidated debt management programs, and housing counseling. We are also approved by the Department of Justice to provide pre-bankruptcy credit counseling certificate sessions and post-bankruptcy debtor education.

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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