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Debt Management Program

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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 Relief Agency

Consolidating Bills at a Debt Relief Agency

Consolidating debt is among the most common debt relief assistance clients seek from a debt relief agency. They’re looking for a way to regain control of their financial lives. They want to get past their debt burden and move on with a sustainable, debt-free future.

A Debt Relief Agency and Debt Reduction Company are not the Same

The services provided by a debt relief agency are not the same as a company that specializes in debt reduction or “settlement”. The latter focuses on negotiating a lump-sum payoff for all of your unsecured debt. Although the total settlement for your bills is usually less than the original amount, the fees the debt reduction service receives are generally a high percentage of the total owed. So in the end, you could actually pay more for a debt settlement. The creditors are not obligated to honor these arrangements, either, so this can cause problems later.

When you work with a debt relief agency like American Consumer Credit Counseling (ACCC), you are not borrowing more money, as would be the case with a consolidation loan through a bank, and you are not negotiating a lower balance. A certified, experienced counselor works with you on how to consolidate your debt. The counselor helps you create a debt management plan, which includes a workable budget that allows you to live within your means. The debt management company will also work with creditors on potentially lowering your interest rates and other charges, such as over limit and late fees.

When your debt management plan is in place, you make one monthly payment directly to the debt relief agency. The agency then distributes the money to the creditors. It’s fast and convenient, and it ensures that you didn’t forget to pay anyone.

Consolidated credit counseling services can’t be any easier than this!

Are You Looking for a Reputable Debt Relief Agency?

If you’re looking for a debt relief agency to consolidate your unsecured credit card balances, call American Consumer Credit Counseling. We are dedicated to helping you regain control of your finances and enjoy a debt-free future. As one of the top debt management companies in the country, we have helped thousands of customers like you accomplish their financial goals.

Take the first step toward a better future. Call us today for more details on how to consolidate debt and get your finances under control.

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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