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Debt Negotiation

Get out of debt faster through debt negotiation.

When you find yourself drowning in debt and unable to keep up with your bills, debt negotiation can help you effectively reduce or eliminate debt. Debt negotiation involves working with creditors to reduce your principal balance, to minimize finance charges and late fees, or to alter payment terms such as interest rates, monthly payments or length of a loan.

Debt negotiation can take several forms. Debt settlement companies will negotiate with creditors to lower the principal balance, but usually at a high cost to you. Debt negotiation may also be part of a bankruptcy process where creditors are asked to accept less than the balance owed.

If you're interested in debt negotiation and don't want it to further damage your credit score, consider the debt negotiation services available through American Consumer Credit Counseling (ACCC). As a non-profit company, we offer a variety of debt management and debt relief programs that include debt negotiation with creditors in order to help you pay off your debts more quickly. Contact us today for a free, no-obligation consultation to learn more about our debt negotiation services.

How debt negotiation works at ACCC.

Debt negotiation at ACCC is usually part of a debt management plan designed to help you take control of your finances, resolve credit problems and pay down your debt through regular monthly payments. The process begins in a conversation with our credit counselors – they will evaluate your financial situation and help you craft a budget that lets you make monthly payments against your debt. Then we'll consolidate all your payments to various creditors into one monthly payment to ACCC, from which we'll make payments to creditors on your behalf. By simplifying payment in this way, we make it easier to stick to your repayment plan – you can even select the payment date that works best for you. Most of our clients find that having one convenient payment per month reduces a lot of the stress they feel about owing money.

Because ACCC is working directly with your creditors, it's easier for us to engage in debt negotiation with them on interest rates, finance charges, late fees and over-limit fees, and to bring the status of your count current instead of being in arrears. Through this kind of negotiation, we are usually able to reduce the amount of your monthly payment, helping to save you money and pay off your debt more quickly.

Why choose ACCC for debt relief help and debt negotiation?

  • Experienced credit counselors. Our counselors are experts at debt negotiation with creditors to reduce fees, charges and interest rates.
  • Lower fees. As a nonprofit, our fees for debt assistance are among the lowest in the industry and we offer a certain amount of credit counseling free of charge.
  • Greater convenience. Knowing how stressful debt can be, we handle all the details for you so you can focus on other things.

American Consumer Credit Counseling (ACCC) is one of the top nonprofit debt consolidation companies in the U.S., with more than 22 years' experience helping individuals and families consolidate credit card debt and improve their credit management skills. If you're wondering "How does debt consolidation work?" and "How can I consolidate my bills?", we can provide you with debt consolidation information to show you exactly how we can help you consolidate debt without having to borrow money or pay steep fees. If you're considering bankruptcy, we are also one of the approved credit counseling agencies for issuing a pre-bankruptcy certificate as well as providing the post-bankruptcy credit counseling course.

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