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Debt Elimination

Get out of debt with a debt elimination program from ACCC.

For anyone who feels they are drowning in debt, a debt elimination program is an excellent way to work at paying off debts responsibly. A well-managed debt elimination program can help you protect your credit score, avoid bankruptcy and pay off your debts within several years.

At American Consumer Credit Counseling (ACCC), we offer debt elimination plans and a variety of debt relief programs to help you get out of debt sooner and live a debt-free future. We offer free credit counseling and very affordable debt elimination services – as a non-profit organization, we are able to keep our fees very low. If you're struggling with debt and are ready to begin the journey to becoming debt-free, contact us today for a free, no-obligation consultation.

The steps to debt elimination.

When you enroll in a debt elimination program at ACCC, here's what you can expect:

  • Free consultation. At your initial meeting, our counselors will evaluate your entire financial situation to get a clear picture of all of your debts, as well as your income and expenses. Then we'll work with you to put a debt solution plan in place.
  • Making a budget. We'll work with you to create a budget that you can live with while paying off your debt.
  • Payment consolidation. Depending on your situation, our counselors may suggest that you consolidate your payments on unsecured debts to save money and simplify debt elimination. This will enable you to make one convenient monthly payment to ACCC instead of making many payments to multiple creditors. When we receive your payment, will disburse funds on your behalf to your creditors. Most of our clients find that making one payment per month enables them to stay current on payments more easily and reduces the stress of owing a lot of money to many different creditors.
  • Debt negotiation. Our counselors will negotiate for credit relief with your creditors, possibly securing better terms on your debt. This could mean reduction of interest rates, late fees and other charges, and reduction in the amount of your monthly payment, thus shortening the time it will take to pay off your debt.

Benefits of ACCC's debt elimination program.

There are many reasons to choose ACCC for your debt elimination plan:

  • Eliminate debt more quickly – usually within five years.
  • Save money by reducing interest rates and minimizing fees.
  • Reduce stress by letting our highly experienced credit counselors handle the details for you.
  • Simplify your finances with one easy monthly payment.

American Consumer Credit Counseling (ACCC) is a nonprofit agency providing free credit debt counseling and debt management counseling as well as low-cost debt management and financial services to individuals and families. Our highly trained consumer debt counselors provide information and insight about the pros and cons of online debt consolidation and credit repair as well as debt settlement negotiation, legitimate debt consolidation services and other credit solutions. In contrast to debt consolidators, our debt management services help individuals get out of debt without taking on new loans. In addition to debt relief counseling, we provide housing and bankruptcy counseling, including pre filing credit counseling required to file for bankruptcy.

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