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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

Get out of debt with a debt reduction program.

Carrying a large amount of debt is stressful for anyone. From constantly worrying about making payments to getting calls from collection agencies; being in debt can severely compromise your quality of life. A debt reduction program can help by providing a plan to pay off your debt within months or years, and establishing a budget to help you maintain a debt-free life. Debt reduction counselors can also help you manage credit card debt, reduce the amount of money you owe, and work with creditors for a possible reduction in finance charges, late fees and over limit fees, while also reducing the time it takes to pay off debt.

For help getting out of debt, many families turn to American Consumer Credit Counseling (ACCC), a nonprofit organization dedicated to helping families eliminate debt through affordable debt relief services.

Making a plan for debt reduction.

Established in 1991, ACCC is a 501(c)3 organization that offers consumer credit counseling services, debt management and financial education for consumers and families nationwide. Our counselors are trained and certified to provide the highest level of consumer debt reduction services. Since our founding, we’ve provided help with debts for tens of thousands of people who wanted to regain control of their finances through debt reduction.

When you work with ACCC, we’ll help you make a plan and show you how to pay off debts quickly – usually within 60 months. Our counselors will evaluate your financial situation and help you create a budget to manage your finances more effectively. Depending on your needs, your debt reduction plan may involve consolidating all unsecured debts into a single monthly payment. Unsecured debt usually includes credit cards, credit lines, personal loans, department store cards and money owed to collection agencies. Once you enroll in our debt reduction program, we’ll consolidate payments and disperse money on your behalf, helping to eliminate the stress of managing multiple debts.

Why choose ACCC for debt reduction?

As one of the nation’s leading credit counseling and debt reduction organizations, ACCC offers significant benefits to consumers seeking to get out of debt quickly. We can help you:

  • Reduce debt faster. Most of our clients are able to eliminate their debt within five years.
  • Save money through lower payments. Our debt reduction counselors are experts at helping you reduce your payments, fees and finance charges.
  • Learn about managing money effectively. We provide access to a wide range of educational resources that can help you learn how to manage your money for a debt-free future.
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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