Skip to Content

How to become debt free

Learn how to become debt free.

When you want to know how to become debt free, you'll find no shortage of people offering advice. From financial counselors to companies offering debt consolidation and debt negotiation services, there are many approaches to debt resolution and learning how to become debt free.

At American Consumer Credit Counseling (ACCC), we offer a helpful and objective approach to understanding how to become debt free. Our certified credit counselors help thousands of consumers better understand their financial situation and their options for managing debt so that they can regain control of their financial future.

Once we have a clear picture of your finances, we present all of your options and help you choose the approach that makes the most sense for your needs and your financial goals. Best of all, as a nonprofit organization dedicated to teaching people how to become debt free, we offer free credit counseling and low-cost debt management services. Contact us today to learn more and to begin your journey to becoming debt free.

How to become debt free through a debt management plan.

Depending on your goals and your financial situation, our debt specialists may suggest enrolling in a debt management plan. This is a highly effective strategy for paying down credit card debt quickly – most clients on a debt management plan are able to become debt free within five years or less.

It's a simple plan: we consolidate all your debt payments to various creditors into one, easy payment each month to ACCC. We then take care of making timely payments to all of your creditors. In this debt management plan, you have just one payment to make each month, helping to ensure that you stay current with your debt obligations. We make there are no late payments, helping to build trust with your creditors. Then we work with your creditors to secure reductions in finance charges and interest rates, as well as over-limit fees and late charges. That reduces the total amount you owe so you can pay down your personal credit card debt faster.

Unlike debt consolidation plans, you won't be taking on any new debt to pay off old debt. And unlike debt settlement plans, our debt management plan won't trash your credit rating.

Learn more about how to become debt free.

To learn more about how to become debt free, check out the free financial education resources on our website. You'll find tips on strategies for how to become debt free, how to budget effectively, how to save for retirement, how to prevent the identity theft, and many other topics.

American Consumer Credit Counseling (ACCC) is one of the top non profit 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