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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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Eliminate Debt

Eliminate debt with a debt management program.

Carrying too much debt can make life pretty difficult. It can cause credit problems, making it hard to get loans, an apartment, or even a job. You may feel like you’re constantly paying bills but never making a dent in the money you owe. Achieving your financial dreams may seem almost impossible.

The good news is that it’s possible to eliminate debt – thousands of people just like you do it each year – and a debt management program from American Consumer Credit Counseling (ACCC) is a great place to start. We are a non-profit organization that provides debt assistance, helping consumers eliminate debt and live a debt-free future. Our credit counselors will help you create a plan to eliminate debt more quickly, usually within five years. The initial consultation is free and, because we are non-profit, the fees for our debit relief services are minimal. Contact us today to see how you can eliminate debt from your life.

How ACCC can help you eliminate debt.

Here’s how a debt management plan from ACCC can help you eliminate debt:

  • The first step is to get a clear picture of your financial situation; in your first conversation our counselors will assess the total amount you owe, as well as your income and expenses.
  • Next, keeping your living expenses and income in mind, we’ll help you create a budget that will allow you to pay down your debt.
  • We’ll consolidate your payments so you’ll make just one payment each month to us and we’ll make payments to each of your creditors. The total amount of your consolidated payment will likely be less than what you were paying before. With just one payment to make each month, you can simplify your finances, keep up with your payments more easily, and remove the stress of owing lots of money to lots of different creditors.
  • We’ll engage in debt negotiation with your creditors for a possible reduction in finance charges, interest rates, late fees, over-limit fees, and the amount of time it will take to eliminate your debts. This kind of credit relief allows you to save money and pay off your debt more quickly.

Why choosing an ACCC debt solution can help you eliminate debt?

Our debt management program offers a lot of advantages over other strategies to eliminate debt. Our fees are among the lowest in the industry – as a nonprofit, we strive to keep our rates as low as possible. Our highly trained and certified credit counselors support you through the whole process, handling most of the details for you. You’ll eliminate your debts faster, usually within five years, and you can take advantage of our many educational resources to better understand your finances and manage your money more 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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