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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 management counseling

Address your debt with debt management counseling.

When you’re having trouble with debt, a debt management counseling service offers helpful programs and sound advice as you work to pay off loans and credit card balances.

A debt management program works differently than a debt settlement or debt consolidation program. With debt management, you won’t take on any new loans, instead, you’ll work with a debt management counseling professional to put together a plan for paying down debt and a budget to help you manage it, and get assistance and support to help you stick with the plan.

When looking for a debt management credit counseling service, it’s important to choose a reputable company – preferably a nonprofit – with a long history of credit counseling, free or low-cost services, and financial education opportunities that can help you learn more about getting out of debt and living life debt-free. Fortunately, you can find all these offerings and more at American Consumer Credit Counseling (ACCC).

Debt management counseling from ACCC.

ACCC is a nonprofit organization that provides information about credit counseling online, as well as via phone and in person to individuals and families nationwide. From budget and debt management counseling to bankruptcy and housing counseling, we offer a wide range of financial services to help consumers regain control of their finances and plan for a debt-free future.

In your free credit counseling session, our highly trained debt management counseling specialists will help you take stock of your financial situation and lay out all the options available to you for paying down your debt, including getting debt consolidation help. If a low-cost debt management plan makes the most sense for you, we’ll help you get started and we’ll work with you along the way to help ensure your success.

In our debt management counseling program, our counselors will contact your creditors to seek reductions in interest rates and monthly payments, and to “re-age” your accounts so that you’re no longer in arrears. Rather than paying your creditors individually, you’ll make one payment to ACCC each month and we’ll pay your creditors. With just a single payment to make each month, you’ll experience less stress around financial matters. And by allowing us to work with your creditors and pay your bills on time each month, you’ll be able to pay off your debt faster and with less interest over time.

Benefits of ACCC’s debt management counseling.

With debt management counseling from ACCC, you can:

  • Save money by lowering your monthly payments and reducing interest charges.
  • Get out of debt faster – usually within 60 months – and put an end to your financial stress.
  • Learn more about managing money with our free educational resources.
  • Enjoy greater peace of mind around financial matters as you take the first steps to a debt-free future.

Learn more about debt management counseling and ACCC, and why debt management may be more a more effective option than legitimate debt consolidation.

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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