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Debt Counseling Services

Tired of debt? Try debt counseling services

Managing debt on your own can be a challenge. There are many strategies for dealing with debt, including debt settlement, bankruptcy, debt management, and debt consolidation. To choose the right plan, you may need guidance from an expert – and that’s where debt counseling services can help.

American Consumer Credit Counseling (ACCC) is a nonprofit agency offering credit counseling and debt management services for individuals and families nationwide. From free credit and debt counseling sessions to low-cost debt management services, we provide the knowledge and support you need to get out of debt and learn to live debt-free.

Five ways debt counseling services can help

Here’s what you can expect from debt counseling services.

  • Free credit counseling. Most nonprofit debt counseling services will offer free credit counseling and low-cost debt management plans.
  • Expert assistance. Debt counselors are certified professionals who know the world of credit and debt inside out.
  • Options for paying down debt. Debt counselors will typically show you a variety of options for paying off your debt while explaining the pros and cons of each approach.
  • Free educational materials and financial tools. Most nonprofit debt counseling agencies provide a wealth of educational materials that can help you learn more about managing money effectively, so you can reach your financial goals.
  • Debt management plans. Debt counseling agencies often offer debt management plans that provide a simple, low-cost way to pay down your debt over time.

Debt counseling services from ACCC

Since 1991, ACCC has been helping consumers take control of their financial lives. In our non-profit credit counseling services, we educate individuals about all their options for managing debt and help them choose the path that feels right for them.

Our debt counseling services include:

  • Free credit counseling – get expert credit counsel to determine the best way to approach your financial situation.
  • Debt management plans – simplify your monthly unsecured debt obligations and consolidate your payments in a low-cost debt management program.
  • Bankruptcy counseling – including the mandated pre-filing bankruptcy counseling session required by the legal process.
  • Housing counseling – get assistance with all your housing needs, including reverse mortgage counseling, foreclosure counseling, and homebuyer education and certification.
  • Student loan counseling – explore all your options regardless of your loan status and how much you owe.

How ACCC’s debt counseling services work

During your first debt counseling session with ACCC, you will:

  1. Meet with a certified and highly trained credit counselor from ACCC in person or over the phone.
  2. Go over your finances in detail – including your income, expenses, debt, and assets – to evaluate your financial situation and talk about your financial goals.
  3. Learn about all the possible options available to you for paying off your debt and the advantages and disadvantages of common strategies.
  4. Receive a list of personalized options based on your goals, along with possible recommendations by your credit counselor.

After your first meeting with an ACCC credit counselor, you’ll feel great knowing that you’ve taken the first step toward paying down your debt. You’ll also know that you’re not alone – our team will be here to provide you with the best debt solutions based on your situation, and to offer support throughout your journey to a debt-free future.

Why consumers choose debt counseling services from ACCC

ACCC has become a leader in the credit counselling industry by providing helpful services and excellent value for consumers in need of financial help. Consumers choose ACCC for several key reasons:

  • Invaluable expertise. Our credit counselors are trusted, highly trained, and certified to help individuals and families address their credit and debt issues.
  • A history of success. Over our three decades in the credit counseling industry, we have helped thousands of consumers to pay off their debt and live debt-free.
  • Free services. Our credit counseling sessions are free of charge and include budget preparation and analysis of key financial indicators.
  • Affordable debt management fees. If you enroll in a debt management program, you’ll find that our fees are among the lowest in the nation. Additionally, because we are committed to helping regardless of your ability to pay, we can waive fees for financial hardship.
  • Free educational tools. When you come to ACCC, your credit counselor will share educational resources that can help to improve your understanding of money management and develop healthy financial habits.
  • Convenient services. We provide credit counseling over the phone and face-to-face in English and Spanish. Our online chat feature lets you get answers to your questions quickly and confidentially.
  • Superior customer service. We are extremely committed to supporting you through your journey out of debt. We make ourselves available to assist you six days a week and will provide support and counseling as long as you need it.
  • A reputable company. We are a member of the National Foundation for Credit Counseling (NFCC). And we’re accredited through the Better Business Bureau with an A+ rating.

FAQs: What are debt counseling services?

What are debt counseling services?

Debt counseling services are provided by certified financial professionals and are designed to help individuals and families find their way out of debt. Debt counselors will typically provide information, education, and strategies for managing debt, helping consumers to take back control of their finances.

What are the advantages of debt counseling services?

Debt counseling services provided by a nonprofit credit counseling agency are usually free of charge or offered at very low rates. Debt counselors are experts at helping you understand your options for getting out of debt. They can also connect you with educational resources and financial tools that can help you learn more about managing money and developing sound habits. When you choose to enroll in a debt management plan, debt counselors can be instrumental at helping you stick to your plan to pay off your debt over time.

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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