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Debt Management Counseling

Fix your finances with debt management counseling

When you’re tired of carrying a great deal of debt and want to live debt-free, debt management counseling can help. Debt management counseling is usually offered by non-profit credit counseling companies that are dedicated to helping consumers solve their financial troubles.

Debt can add a great deal of stress to your life, and many consumers feel alone when it comes to addressing their financial issues. With debt management counseling, you’ll get expert advice on the best way to approach your financial situation. You’ll find the support you need to stick to a plan that will help you pay off your debt for good.

At American Consumer Credit Counseling (ACCC), we offer free credit counseling and low-cost debt management services. As a nonprofit organization, our mission is to offer the debt management help you need to regain control of your finances and make a plan for a debt-free future.

The benefits of non-profit debt management counseling

When you’re seeking reputable credit counseling services, working with a non-profit organization is your best bet. Non-profit debt counseling agencies offer services for free or for very little money, while for-profit firms tend to charge significant fees. While for-profit debt firms will push you toward the solution that works best for them, non-profit debt management counseling is all about giving you options and helping you choose the right path for you.

Additionally, non-profit debt management counselors will tend to recommend programs that won’t ruin your credit, put you in legal trouble, or drive you deeper into debt. On the other hand, for-profit agencies often recommend risky strategies that can create financial and legal difficulties while potentially ruining your credit rating.

With non-profit debt management counseling, you’ll also get access to educational materials and financial tools that can help you learn more about managing money and avoiding debt. For-profit companies rarely offer these types of resources.

Debt management counseling with ACCC

ACCC has been providing credit and debt management counseling services for three decades. As a leader in the credit counseling industry, we offer services designed to educate consumers on financial management and help them take control of their financial future.

Our debt management counseling is provided by highly trained and certified credit counselors who know everything there is to know about solving debt problems. When you come for your first free counseling session, your ACCC counselor will help you get a complete picture of your financial situation by documenting your income, expenses, assets, and debts. We’ll help you explore all your options – from bankruptcy and debt consolidation to debt negotiation and debt settlement. And we’ll offer a list of personalized recommendations based on your situation and your financial goals.

When you leave your first session with ACCC, you’ll feel great knowing you have strategies and techniques for dealing with debt. And you’ll no longer feel alone in your financial situation – our team is ready to help you every step of the way on your journey out of debt.

The benefits of debt management plans

When you come to ACCC for debt management counseling, your credit counselor may recommend a debt management plan. These programs are one of the most effective tools for paying off your debt over time while preserving or rebuilding your credit rating.

When you enroll in a debt management plan, you’ll work with a counselor to set a realistic budget – in other words, one you can stick to with while paying off your debt. We’ll help you figure out how much you can set aside for debt payments each month, and you’ll make just one payment to ACCC instead of paying your creditors directly. Our team will disburse the funds for you, making sure everyone is paid on time. This approach makes it easier to meet your monthly obligations and removes the stress of paying and communicating with multiple creditors.

Your ACCC credit counselor may also approach your creditors to seek to lower your interest rates and finance charges and eliminate late fees and over-limit fees. That means you’ll owe less money in the end, which may help you pay off your debts faster. We can also work with your creditors to change the terms of your debt so you can have more time to pay it off. With this kind of debt management, credit counseling, and debt consolidation from ACCC, consumers can usually pay off their debt in 3 to 5 years.

Why choose ACCC?

With debt management counseling from ACCC, you’ll benefit from:

  • Free and low-cost services. We offer free credit counseling and low-cost debt management plans, with options to waive fees in cases of financial hardship.
  • Expertise and experience. We have three decades of experience in the credit counseling industry, and our credit counselors are highly trained professionals who understand consumer credit inside and out.
  • Educational resources. We offer access to free financial tools and educational materials that can help you build sound financial habits and learn to manage money more effectively.
  • Excellent customer service. We provide ongoing support and counseling as long as you need it, and we’re available to assist you six days a week.
  • Convenient interaction. Our services are available in person and over the phone, and we offer an online chat feature where you can get quick and confidential answers to all your questions.
  • A reputable agency with a strong track record. ACCC has a Certificate of Authority in all 50 states, and we are accredited through the Better Business Bureau with an A+ rating. Additionally, we are a member of the National Foundation for Credit Counseling (NFCC).

FAQs: What is debt management counseling?

What is debt management counseling?

Debt management counseling, or consumer credit counseling, is a service that’s typically provided by a non-profit agency and is designed to help consumers solve their financial troubles. In debt management counseling sessions, consumers meet with professional credit counselors who can help them evaluate their situation, consider all their options, and make a plan to get out of debt.

What is a debt management plan?

A debt management plan is a strategy for reducing or eliminating debt. Under a debt management plan, consumers will make one payment each month to a credit counseling agency that will pay their creditors on their behalf. The agency may also seek reductions in interest rates and finance charges, and to put a stop to late fees and over-limit fees.

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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