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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 Reduction Program

How to eliminate debt with a debt reduction program.

A debt reduction program from American Consumer Credit Counseling (ACCC) can be an excellent way to manage credit card debt or eliminate debt completely. Anyone living with a lot of consumer debt knows the feeling of constantly worrying about paying bills and wondering how you’ll ever find a way out of debt. With a debt reduction program from ACCC, you can make a plan to be free of debt within five years, in most cases. Rather than live with the stress and uncertainty of high levels of consumer debt, a debt reduction program lets you gain control of your financial situation and take the first steps toward getting rid of debt and living debt free.

How does a debt reduction program work?

ACCC is a non-profit organization dedicated to providing credit counseling and debt reduction programs for people who need help getting out of debt. Since 1991, we’ve helped tens of thousands of families and individuals pay off their unsecured debts and find a way to live debt free.

A debt reduction program at ACCC is individually designed for you, to address the unique needs of your financial situation. A professionally trained and independently certified counselor with work with you to:

  • Look at your financial picture and take stock of your income, expenses and debt. With a thorough understanding of your financial situation, your credit counselor will then help you construct a plan to pay off your debt, usually within five years.
  • Help you to create a budget to manage your finances and debt more effectively.
  • Consolidate your debt to simplify your finances. By consolidating credit cards and other unsecured debts, you can make just one payment per month to ACCC instead of payments to many creditors, making it easier to keep up with your payments and reducing the stress of owing money to multiple creditors.
  • Work with your creditors for a possible reduction in finances charges, late fees, interest rates, over-the-limit fees and time to pay off debt.

Benefits of a debt reduction program with ACCC.

For anyone wondering “How do I get out of debt?”, a debt reduction program from ACCC offers many benefits. Our debt reduction program can help you to:

  • Save money by reducing interest rates, finance charges and other fees. Plus, as a non-profit organization, we’re able to provide the lowest fee structure in the industry.
  • Get rid of debt more quickly – usually within five years.
  • Achieve financial peace of mind by putting together a program to live debt free.

Take the first step toward a debt-free life and contact us today about a debt reduction program designed for you.

See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards
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