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ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

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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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Find debt consolidation assistance

Need to find debt consolidation assistance?

When your finances are spinning out of control and you’re considering debt relief loans or debt consolidation, it’s wise to find debt consolidation assistance from a qualified professional.

Debt consolidation typically means taking out one new loan to pay off a number of other loans. This can be financially advantageous if the new loan has a lower interest rate or better payment terms than the original loans, helping you to pay off your debt more quickly or allowing you to manage payments more easily.

But debt consolidation may not be right for every financial situation, and that’s why it’s important to find debt consolidation assistance before you take steps to consolidate loans. If you’re deep in debt, you may not qualify for the lower debt consolidation rates that make this approach work. Many debt consolidation firms charge high fees and there are more than a few that are actually scams. It’s not unusual for consumers attempting to consolidate loans to actually find themselves even deeper in debt a year or two later.

When you decide “I need help with my debt” and you want to find debt consolidation assistance that can help you determine the best path out of debt, contact American Consumer Credit Counseling (ACCC). As a nonprofit organization, we provide free credit counseling and low-cost debt management services along with a wealth of educational material that can help you to manage your money more effectively.

Find debt consolidation assistance with free credit counseling.

ACCC is dedicated to helping individuals and families reduce or eliminate debt and learn how to avoid debt in the future. For more than two decades, we have been helping consumers understand the options available to them for paying down debt. When you contact us for a free credit counseling session, we’ll help you get a clear picture of your finances and talk about your financial goals. Then we can help you find debt consolidation assistance and walk you through possible alternatives. And we’ll answer all your questions about managing debt, including questions like “Where can I get a debt consolidation loan?”, “How do I avoid bankruptcy?” and “How can I pay off debt with minimum impact on my credit rating?”

When you’re ready to find debt consolidation assistance and get out of debt once and for all, American Consumer Credit Counseling can help.

Benefits when you find debt consolidation assistance with ACCC.

When you come to ACCC for free credit counseling or to find debt consolidation assistance, you can count on:

  • Professional advice. Our credit counselors are certified and highly trained and are experts at helping consumers choose the best path out of debt.
  • Free credit counseling and low-cost services. Your l credit counseling sessions at ACCC are always free, and we offer low-cost debt management services with rates that are among the lowest in the industry.
  • Free educational materials. Our website is full of helpful articles, tools and checklists that can help you budget more effectively, save for retirement, understand bankruptcy and much more.

Learn more about how to find debt consolidation assistance at ACCC, and about how much credit card debt is okay and how to pay off credit card debt with a debt management plan.

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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