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Consumer Credit Counseling: Your Path to a Better Financial Future

Credit card debt can quietly creep into your life. Credit cards can make it challenging to monitor your daily spending. When using cash for purchases, you physically part with the money from your wallet at the point of sale. Each time you visit an ATM or bank teller, you receive frequent reminders of your spending. However, with a credit card, small charges can accumulate throughout the month. Rows of small transactions turn into a shockingly high bill by the end of the month, and if not paid on time, additional charges and fees may be added.

Even for responsible credit card users who maintain their spending within a practical budget, unexpected events can occur. Unanticipated car or home repair expenses, medical bills, or family emergencies can transform your credit card from a convenient payment method into the only available option. While trying to regain financial stability, it’s easy to lose track of interest payments, minimum payment percentages, and APRs. Even after consolidating various credit lines into a single payment through debt consolidation , the burden of repayment still looms.

Overall, the national average credit card debt among cardholders with unpaid balances in December 2022 was $7,279. That includes debt from bank cards and retail credit cards

Credit card debt has become an increasingly prevalent issue today, with millions of individuals facing the consequences of mounting balances and high-interest rates. This growing problem can have significant long-term impacts on one’s financial well-being and overall quality of life. Over the years, credit card balances have consistently exhibited an upward trajectory especially post 2014. The pandemic showed a slowdown but as life is kicking back to normal credit card debts are seemingly picking up again.

Credit Counseling & Debt Consolidation: Overcoming Financial Obstacles

Even for conscientious credit card users that keep their spending within a realistic budget, things can happen. A surprise car expense or home repair, a medical bill or family emergency can turn your credit card from a convenient way to pay into the only way to pay. While working on getting things back to normal, you can lose track of the interest payments, minimum payment percent, and APRs. Even if you’ve collated all the various credit lines into one payment with a consolidation loan, the repayment is still hanging over you.

Start Managing Your Debt

Individuals facing financial difficulties experience very different situations. That’s why a consumer credit counseling service is different than simply taking out a consolidation loan. A debt consolidation loan may seem like the only option, but when you contact ACCC’s counseling center, we will help you determine the best way to approach your situation and provide you with the best credit counseling service options possible.

When you contact our counseling agency, a professionally trained debt counselor  will:

• Help you evaluate your current financial situation.
• Provide you with a detailed review of your income, assets, and expenses.
• Provide personalized options based on your goals.

If the Debt Management Program is your best option, we will provide you with the complete program and details.

At the end of the counseling session, you will feel good knowing that there are options available and that you are not alone. ACCC is here to help and provide you with the best debt solutions for you and your situation.

To discuss your needs, our debt management and credit counselors are available:

• Monday–Thursday: 9:00 am to 11:30 pm
• Friday: 9:00 am to 8:00 pm
• Saturday: 10:00 am to 6:00 pm

Start Managing Your Debt

Are you still not sure if a debt management program is right for you? See what others are saying.

This is an excellent service. AJ was patient and explained every step. He was great to work with. He wasn’t overly assertive and listened as we worked towards a plan.

– Dwayne from CA

This has been an absolutely perfect experience for us. We recommended you guys to our daughter and she just completed the signup process. She was amazed at how uncomplicated it was. It’s always easy to reach someone when I call with a question. 5 Stars!

– Lynette from CA

Catarina was very patient, professional, and efficient in clearly explaining everything. The whole process was much easier than I expected.

– Patricia from CT

The testimonials provided herein are unsolicited comments from clients, based upon their individual needs, concerns, and circumstances. These comments are provided for informational purposes only and should not be construed as a guarantee of similar results or experiences, as each individual’s circumstances will vary. Client comments are included for informational purposes only.