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Debt Management Program

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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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Our Debt Programs

Get relief and regain financial peace of mind.

credit-counseling

Credit Counseling

No matter your financial difficulty, our certified credit counselors will help you determine the best way to approach your financial situation and provide you the best options for managing your credit card debt.

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Credit counseling
debt-management

Debt Management

Our debt management program helps simplify your monthly unsecured debt obligations like credit cards and unsecured personal loans. Once enrolled, we will consolidate your payments and disburse funds to your creditors on your behalf.

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Debt management
bankruptcy-counseling

Bankruptcy Counseling

If you're planning to file for bankruptcy, the law requires that you complete a pre-bankruptcy counseling session with an approved credit counseling agency like ACCC. We provide online bankruptcy counseling, and can also give bankruptcy counseling over the phone. You can complete most of the requirements of your bankruptcy certificate online.

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housing-counseling

Housing Counseling

ACCC’s housing counselors are available to assist you in all aspects of your housing needs. We provide reverse mortgage counseling, homebuyer education and certification, and foreclosure counseling. Our counselors will help you prepare an assessment of your financial situation to determine the root cause of the problem. Once the problem is identified counselors will work with you to establish the best possible solution.

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student-loan-counseling

Student Loan Counseling

If you’re struggling to repay student loans, delinquent on your student loans or have already defaulted on your student loans, you may be able to get temporary or permanent relief from making payments. American Consumer Credit Counseling can help you explore your options regardless of how much you owe or your loan status.

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Student loan counseling
debt-settlement

Debt Settlement

Debt settlement is a strategy for eliminating debt that involves working with settlement services to get creditors to settle your debt for a lower amount than what you owe. We offer free credit counseling sessions where you can work with professionally certified counselors to take stock of your finances, consider all your options, and choose the most advantageous path out of debt.

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Debt settlement
debt-consolidation

Debt Consolidation

Debt consolidation can help you with your unsecured debt (debt not linked to an asset). Debt consolidation is an important step in lowering monthly payments to creditors and collection agencies. Unlike a debt consolidation loan, you do not borrow money. With a debt consolidation plan, you will be able to combine most, if not all of your unsecured debt and make one single monthly payment.

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Debt consolidation
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