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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 loans

Are debt relief loans the best way to pay off bills?

When bills and credit card debt become too high, many people consider debt relief loans as a possible solution. Debt relief loans usually involve paying off existing debts with a new loan that offers better interest rates for more favorable payment terms, enabling you to manage debt more easily with your existing income and expenses.

While debt relief loans sound like a good idea in theory, in practice things don’t always turn out so positively. Your high levels of debt may prevent you from getting favorable terms or interest rates on a new loan. The fees charged by companies offering debt relief loans and or some other “fast” credit debt solution may be extremely high. And if you’re not taking care of the behavior and financial choices that helped you amass your debt in the first place, it’s likely that debt relief loans won’t be the answer to your problem.

For help deciding whether to pursue debt relief loans, credit settlement or other debt solutions, contact American Consumer Credit Counseling (ACCC). Our professional credit counselors can help you find the way out of debt that makes the most sense for your financial situation.

Advice on debt relief loans from ACCC

At ACCC, we are dedicated to helping individuals and families make a plan to get out of debt and learn to live debt free in the future. As a nonprofit organization, we provide free credit counseling services to help you understand your financial situation, explore the many options available to you for paying off your debts, and select the debt relief solution that is most advantageous for you.

Our credit counselors can also provide you with many free educational resources on topics that include budgeting, saving for retirement, buying a home and more. And we’re always happy to answer questions about debt and financial management such as “What is a debt consolidation loan?” and “How much credit card debt is okay?”

Options beyond debt relief loans

While debt relief loans could be the best option for you, your ACCC counselor may also recommend a debt management plan. ACCC’s debt management program lets you make just one payment per month to us, while we take responsibility for paying each of your creditors on time. This makes it easier for you to keep up with your payments each month, and it lets us work with your creditors to potentially reduce your interest rates, lower your finance charges, and eliminate late fees and over-limit fees in order to reduce the total amount you owe.

Learn more about debt relief loans and ACCC’s debt management program, and get information on how to consolidate credit card debt most effectively.

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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