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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 Plan

Pay off your debts with a debt management plan.

If you’re ready to take steps to pay off your debt, a debt management plan with American Consumer Credit Counseling (ACCC) may be the perfect solution for you. As a non-profit organization, our mission is to help consumers just like you get out of debt for good, often through a debt management plan. We provide free credit counseling tips and money management resources that can help you get control of your finances. As part of our free debt advice, we’ll help you put together a plan to pay off debt. Depending on your situation, a debt management plan may be the best option to help you get out of debt more quickly – usually within five years for most people.

How a debt management plan works.

Here’s how our debt management plan can help you pay off your debt. First, you’ll work with our highly trained credit counselors to evaluate your financial picture and make a budget that you can live with while you pay down your debt.

Next, we’ll change the way you pay your bills. Instead of making monthly payments to multiple creditors, you’ll make one easy payment to us and we’ll pay your creditors on your behalf. This is important for two reasons: it simplifies management of your finances, helping to reduce your stress and making it easier to stay current with payments. It also puts us in direct contact with your creditors, allowing us to seek reductions in interest rates, finance charges, late fees, and over-limit fees. In this way, a debt management plan can actually reduce the amount of money you owe and shorten the time it will take to pay it off.

The benefits of a debt management plan with ACCC.

There are lots of benefits to choosing ACCC for your debt management plan:

  • You’ll save money. Because we’re a non-profit organization, our service fees for a debt management plan are among the lowest in the industry. In addition, we can help you save money by reducing interest rates and fees on your debt.
  • You’ll enjoy the convenience. When you enroll in a debt management plan with ACCC, our counselors will handle most of the details for you. What does a credit counselor do for you? Everything from providing advice to analyzing your finances to contacting your creditors.
  • You’ll take on no new debt. Unlike debt consolidation programs that require you to take out a new loan to pay off what you owe, our debt management plan does not involve taking on any new debt.
  • You’ll learn a lot about managing money. With our free educational resources and calculators, you can learn a great deal about paying off debt, rebuilding credit, dealing with a secured vs unsecured loan, and much more.
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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