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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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Resources & Tools

What Is Debt Settlement?

Debt settlement is a process of settling debt with a creditor for less than what is owed.

With debt settlement, you stop paying your creditors and pay the debt settlement company instead. In the meantime, your accounts become delinquent. After some time, the company tries to negotiate a debt settlement offer with your creditors. They hope to settle for a lower amount than what you actually owe.

Although debt settlement sometimes works, the risk doesn’t always pay off. Your creditors aren’t obligated to accept a lower amount. Debt settlement offers no guarantees. If it fails, debt settlement can leave you in more financial trouble than before. Ultimately, you may pay a debt settlement agency hundreds or thousands of dollars & still owe the same amount to your creditors!

Before opting for debt settlement, call American Consumer Credit Counseling (ACCC). ACCC is a nonprofit dedicated to helping consumers take control of their finances. We offer free credit counseling sessions and low-cost debt management services. Learn more about debt settlement and ACCC’s programs by giving us a call today.

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