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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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Eliminating credit card debt

When eliminating credit card debt, you need a good plan.

When you’re trying to get out of debt, eliminating credit card debt is usually a good first step. Credit card debt problems are one of the leading causes of bankruptcies in the U.S. Eliminating credit card debt is critical to taking control of your financial situation to avoid filing for bankruptcy. Of course, eliminating credit card debt isn’t easy – when you’re carrying very high balances it can be hard to even make the minimum payment each month, let alone make progress toward paying down your debt. That’s why so many individuals and families have turned to American Consumer Credit Counseling (ACCC) for debt resolution services and help eliminating credit card debt.

Eliminating credit card debt with ACCC.

When you work with ACCC on eliminating credit card debt, our counselors will first help you assess your entire financial situation, and then lay out all the options for you. Depending on your needs, we may recommend a debt management plan, which can be a great strategy for eliminating credit card debt.

A debt management plan with ACCC begins by helping you create a budget you can live with, but one that will let you make monthly progress toward eliminating credit card debt. Then we’ll consolidate all the payments you make to your credit card companies each month so you can make just one payment to our debt management center – we’ll make the payments to each of your creditors on your behalf. This helps to simplify your finances and makes it easier to stay current with your debt payments. It also gives us the opportunity to talk to your creditors about possible reductions in interest rates, finance charges, and other fees, reducing the amount you owe and the time it will take to pay it off.

Why choose ACCC for help eliminating credit card debt?

There are a lot of companies out there with “secrets” for how to pay off credit cards fast. These “secrets” can push you further into debt. Here’s why you should work with ACCC instead:

  • We’re a nonprofit organization. Rather than trying to milk you for fees, our mission is to help you get out of debt, and our fees for services are among the lowest in the industry.
  • You’ll take on no new debt. Unlike credit card consolidation programs where you transfer your balances to a new card, with ACCC you won’t take on new debts to pay off old ones.
  • We’ll help preserve your credit rating. Some debt reduction strategies like a debt settlement program can be disastrous to your credit score. At ACCC, we work to make sure that as you’re eliminating credit card debt, you’re also protecting your credit score and your financial 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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