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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 strategies

Get control of your finances with debt reduction strategies.

There are a lot of debt reduction strategies you can turn to you when you’re thinking about paying off credit card debt or getting out of debt fast. From credit card balance transfers and consolidation loans to debt settlement and debt forgiveness arrangements, these debt reduction strategies each have a number of advantages and disadvantages. Evaluating debt reduction strategies can be a little time consuming and confusing for many people. That’s why, when trying to decide among various debt reduction strategies, consumers turn to the professionals at American Consumer Credit Counseling (ACCC).

Debt reduction strategies from ACCC.

ACCC is a nonprofit agency dedicated to helping individuals and families learn how to become debt free. Our certified credit counselors provide a variety of free and low-cost services for consumers across the country, through telephone and in-person counseling. Since our beginning in 1991, we have helped thousands of people develop debt reduction strategies that allow them manage their money more effectively and live a debt-free life.

When you come to ACCC, we’ll first work with you to evaluate your financial situation, and then discuss all of the various debt reduction strategies that make sense based on your needs and goals. We’ll discuss the pros and cons of various strategies, offering debt consolidation and debt settlement advice. Once you decide on one the best debt reduction strategies for you, we’ll help you create a budget that will enable you to meet your financial goals while also setting money aside each month to reduce your debt.

The most effective debt reduction strategies.

One of the debt reduction strategies we recommend most often for unsecured debt relief is a debt management plan. In this approach to eliminating debt, you consolidate all of your monthly debt payments into a single payment to ACCC, and we turn around and pay each of your creditors on your behalf. That means instead of writing checks throughout the month to the credit card companies, you’ll make just one easy payment to us, allowing you to more easily keep current with your debt obligations. At the same time, we’ll talk with your creditors to seek reductions in your interest rates, finance charges, and any over-limit fees or late fees you’re paying. This reduces the total amount of personal credit card debt and other debt you owe, and makes it possible to pay off your debt faster – usually within five years.

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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