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Debt management

Get out of debt with a debt management program.

When you find yourself deep in credit card debt, a debt management program can help. A debt management program is designed to help you create a realistic plan for paying down the debt you owe. Managing debt is not an easy task, and a good debt management program will provide education and training to help you better understand your options for how to get out of debt now and how to be debt free in the future.

When you're ready to commit to a debt management program, American Consumer Credit Counseling (ACCC) offers expert advice. Our mission is to help consumers take control of their finances and get out of debt. Our highly trained and certified credit counselors provide free credit counseling services and offer a wide variety of educational resources. And as a nonprofit organization, the fees for our debt management program are among the lowest in the industry. Contact us now to learn more about debt management and living a life free from debt.

How a debt management program works.

A debt management program at ACCC is individually designed to meet your specific financial needs. After reviewing your financial situation, our counselors will help you create a manageable budget that will let you make regular payments to reduce your debt more quickly – most of our clients find they are able to pay off their debt within five years - as well as afford everyday expenses like groceries and gas for your car.

Next, we'll consolidate all your debt payments – instead of lots of payments needed to lots of credit card companies, you'll make just one payment each month to ACCC, and we'll pay each of your creditors for you. That lets us engage in debt negotiation services, where we seek debt forgiveness or reductions in the amount you owe, as well as reductions in interest rates, finance charges, late fees, and over-limit charges. The goal of our debt management program is to both reduce the amount you owe and the time it takes to pay it off.

Why choose ACCC for your debt management program?

There are a lot of companies out there offering solutions for getting out of debt fast – why should you choose a debt management ACCC? Here are the top three reasons:

  • Savings. As a nonprofit debt relief company, we can charge a lot less for debt management services than most other companies in the industry.
  • No new debt. Many debt relief solutions require you to take on new debt to pay off old debts – but that's not a sound plan for taking control of your finances. At ACCC, we help you get out of debt without taking on new loans.
  • Experience. With more than 20 years in the credit counseling business, we've helped thousands of individuals, families, and consumers just like you find the path to a debt-free future.

American Consumer Credit Counseling (ACCC) is a nonprofit debt management company that provides consumers with personalized counseling and solutions for consolidation of debt. Since our founding in 1991, ACCC's consolidated credit counseling services and debt assistance programs have been helping consumers consolidate debts and regain control of their finances. If you're wondering "What's the best way to consolidate my debt?", an ACCC counselor can show you how to consolidate your debt without having to take a loan or pay hefty fees. First, check out our credit counseling reviews to see what our customers have to say about our consolidated credit solutions and the personal touch that helps make ACCC one of America's most well-regarded debt management agencies.


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