Debt Management Program
Benefits of ACCC Debt Management Program
Our comprehensive debt management program at ACCC is designed to help individuals and families struggling with credit difficulties. Unlike other agencies, our program offers a variety of unique benefits that can make a real difference in our clients’ financial lives. Our experienced credit counseling professionals are dedicated to assisting our clients in every aspect of the debt management process, from creating a personalized plan to providing ongoing support and guidance.
Is a Debt Management Program Right for You?
Here are the key points to consider when evaluating whether a debt management plan is suitable for you:
- Struggling to keep up with your debt payments.
- Wanting to save on interest and fees.
- Looking to simplify your monthly payments.
- Ensure that you can afford the monthly payments required by the program.
If you’re unsure about whether a debt management program is the best option for you, talking to a certified credit counselor can help. They can evaluate your income, budget, spending, and debt to determine whether a DMP is suitable for your situation. In case it isn’t, they can also help you explore alternative options such as debt consolidation or even bankruptcy.
Sometimes, you may not even need such extreme options. Instead, you may only need any of someone to help you adjust your budget so that you can allocate extra money towards paying off your debts. A credit counselor can also assist you in this regard.
7 Great Reasons to Choose a Debt Management Program
One Convenient Monthly Payment
Our process is simple and effective. We consolidate all of your payments to creditors into one monthly amount which you pay to us. Once we receive your payment, we take care of disbursing it directly to your creditors on your behalf.
24-Hour Members-Only Access
Our Members Only website is an exclusive platform designed for clients enrolled in our debt management counseling services. You can access up-to-date information 24/7 through this website. Our dedicated Client Service Representatives are available to provide support during the following hours:
- Monday to Thursday from 9:00 am to 8:00 pm
- Fridays from 9:00 am to 6:00 pm.
- Save Money with Lower Payments
We work with your creditors to lower your monthly payments and to reduce your interest charges.
Get Out of Debt Faster
Through our debt management counseling, we help to design programs that get you out of debt within 60 months. Your program will help put an end to your financial stress. The length of the program will be determined by the total amount of your debt, your specific creditors, and whether you can send additional funds as you become more financially stable. Each of these items is identified during our debt management counseling session.
Our debt management counseling services are designed to create customized programs that can help you become debt-free within 60 months. Our goal is:
“To eliminate your financial stress and provide you with a tailored program based on the total amount of your debt, your specific creditors, and your ability to send additional funds as you become more financially stable.”
All these factors are identified during our debt management counseling session.
Our Recounseling Department offers ongoing debt management counseling and education to clients. Our certified counselors will review your financial situation and budget to provide helpful suggestions and additional financial resources.
Access to Financial Education
- Financial Peace of Mind Program – We offer our clients the Financial Peace of Mind program, which includes eight self-directed study chapters and assessments. This program is designed to help you improve your money management skills, increase your financial awareness, and develop positive financial behavior. Best of all, it’s complimentary!
- Monthly Erasing Debt Newsletter – Our clients receive the Erasing Debt newsletter monthly, which covers various debt management counseling topics such as budgeting, identity theft, home buying, credit reports, and more. This newsletter is a valuable resource for staying informed and up to date on financial topics.
Consumer Credit Website
Our website is an online debt management counseling resource designed to guide you through all aspects of personal money management and improve your financial literacy. We offer a range of financial tools, calculators, and articles covering a wide variety of topics that can help you enhance your personal financial situation.
ACCC invites you to join our program and begin your financial future.