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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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Get Out Of Debt Plan

Making a get out of debt plan.

When you have too much debt, the first step to erasing it is to make a get out of debt plan.

Typically, a get out of debt plan will include taking a hard look at your financial situation to understand exactly how much debt you have, how you acquired it, and what you can do to pay it off over time. A get out of debt plan starts with creating a budget and making some choices about how much you can pay toward your debt each month. Depending on the type of debt you are carrying, a get out of debt plan may also include working with services like credit debt counseling, debt consolidation services or even bankruptcy counseling.

The critical thing to know is that many people in the debt industry who would like to help you get out of debt – for a price. That’s why, when making a get out of debt plan, it’s essential to search for trusted, nonprofit debt counselors who can give you clear, objective advice. That’s what you get at American Consumer Credit Counseling (ACCC).

Create a get out of debt plan with ACCC.

ACCC is a nonprofit organization that helps consumers create a get out of debt plan and provides support and services to help them see the plan through. Since 1991, we have helped thousands of individuals and families make a get out of debt plan and learn to live life debt-free.

As a nonprofit organization, we offer free credit counseling and low-cost credit solutions and services. During your free credit counseling session, you’ll meet with certified and highly trained credit counselors who can help you evaluate your financial position and document your income, assets, expenses, and debts. We’ll prepare a personalized list of options and strategies, and help you develop a budget for your get out of debt plan. As you work to stick to your budget and pay off your debts, our counselors can be there every step of the way to help you succeed.

Debt management is a valid get out of debt plan.

For consumers making a get out of debt plan, our counselors often recommend a debt management service as a helpful solution for paying down debt. Rather than consolidating loans in a debt consolidation program that requires you to take out more debt, a debt management program consolidates your payments each month. You’ll make just one payment each month to ACCC, and we’ll pay all of your creditors for you on time. We also work to seek reductions in interest rates, and fees to help you pay your debt off faster. By simplifying your finances and helping you practice good money management, a debt management program can help you get out of debt faster – most consumers can pay off their debts in 60 months or less.

Learn more about making a get out of debt plan with ACCC.

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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