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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 Program

Over nine in ten Americans carry some debt, such as a credit card balance, a car loan, or a home mortgage. Credit cards can function as a safety net for many people, covering living expenses from month to month. If you owe money to multiple creditors, managing debt can feel a bit like you owe everyone something.  It is stressful enough just parting with the money every month, let alone tracking everywhere it has to go.

Debt can snowball as you increase your balance on one card to make payments on another card. Or, if you chose to carry a balance while paying off student debt, sooner or later, the short term solution to a monthly payment could become a problem on its own. Creditors are always ready to continue to extend credit if it means they can make money on your future interest payments.

Even if you’ve managed to stop new borrowing, you might not be able to make your monthly payments if you experience a sudden loss of income, such as losing your job. Or perhaps you’ve finally turned the corner on controlling your debt, but an unexpected expense can put you back at square one. Medical bills or a family emergency can take you from actively paying down your debt to racking up interest payments, all because of forces outside your control.

You don’t have to manage your debt alone. A debt counselor that knows consumer credit inside and out can help you make sense of the situation and develop the right plan to pay down your debt. Debt management and consolidation can make it so that you have one manageable payment to make each month. 

A realistic debt management plan from American Consumer Credit Counseling is designed for your budget so that making monthly payments doesn’t require unsustainable sacrifices. ACCC’s debt management program doesn’t require you to take out an additional loan to eliminate your credit card debt, so you won’t compound the existing problem.

Once you’re ready to take control of your credit situation, here’s how it will work. After you reach out to ACCC, a professionally trained and independently certified counselor will:

  • Evaluate your financial situation to help determine a realistic payment plan
  • Assist you in creating a budget that actually meets your needs
  • Help create a debt management plan that focuses your finances into one monthly payment that consolidates your debts

Get Your Debt Management Plan

In addition to working out how to make your payments through ACCC, the counselor will also work with your creditors to:

  • Explore possible reduction in finance charges, late fees, and over-limit charges
  • Negotiate more time to pay off existing debt

American Consumer Credit Counseling is a non-profit company whose goal is to get your debt under control.

Get Your Debt Management Plan

If you want to see for yourself how many payments it would take to pay off a credit card bill, use our Credit Card Interest Calculator. You can adjust interest rates and monthly payments to see how quickly you can pay off your debt.

Are you still not sure if a Debt Management Program is right for you? See what others are saying.

This program has changed our lives. We are so thankful for the opportunity to have help in taking control of our debt. Excellent customer service, convenient hours, friendly representatives! Fantastic Debt Management Program that has made a huge difference in our financial stability. Thank you!

– Marianne from UT

I wasn’t sure how I could handle my debt without getting a higher paying job (not an easy option), and I felt so much relief after entering the program.

– Katherine from NC

I felt like (ACCC) listened to my particular situation and definitely reduced interest rates and the accumulation of fees relating to those interest rates.

– Joseph from OR

ACCC took me from feeling like my debt was impossible to tackle to manageable, step-by-step. I was initially embarrassed to have so much debt and didn’t want to call on anyone for help. I assumed people would judge me for having so much debt and that it was my fault for letting it get out of control. But, from the minute I called ACCC, they put me at ease, told me it’s doable, and most importantly did not judge me or make me feel ashamed of my situation.

– Palak from NJ

Your company has drastically improved our awareness of money management and budgeting. The payments have helped save our dependence on creditors as well as our peace of mind!

– Amelia from OH

Get Your Debt Management Plan

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.


  • "I was so pleased to find it easy to talk to my counselor about my debt problem. He was very helpful in helping me find a budget I could work with and thanks to him, I was able to reduce my interest rate so I could pay off my debt."
  • "ACCC provided me with this plan of how to get out of debt, and also taught me how to stay out of debt. If I have any questions, [ACCC's] staff is always there to give me the answers. ACCC's Debt Management Program helped me so much."
  • "Thank you for helping me stay out of collections and make progress toward paying off my debt. Everyone I spoke with was very helpful and made the process simple. They explained and re-explained when I needed it. I have recommended ACCC as a resource to people I know."
  • "Thank you to you and your team for helping me get out of debt. I felt like I was drowning in debt and after speaking to your representatives, I was relieved and felt like a weight was lifted. They made it simple and treated me with respect and have always been super friendly. I am grateful for your service!"

Additional Resources

  • resources-budgeting

    Budgeting Tips and Tricks

    A budget is the cornerstone of responsible financial planning. It shows exactly how much money you have and where it’s being spent. Use our compiled helpful resources, tips, and tools to help you understand and create a successful budget.

  • resources-credit

    Understanding Credit

    Credit is a convenient way to pay for things, but knowing how to manage and maintain good credit can be very challenging. Check out our find informative articles that will help you learn all about maintaining good credit.

  • resources-calculator

    Calculators to help manage your money

    Use ACCC’s financial calculators to help you better track and budget your income and expenses to help you better manage your money.

  • resources-retirement

    How to prepare for retirement

    In your golden years? It’s important that you are knowledgeable about your financial situation so you are prepared to lead a financially healthy life. Get our checklist to help you with your preparations.

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