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Getting Rid of Debt

Need help getting rid of debt?

When you have more debt than you can handle, it can feel like you'll never be free of debt again. Perhaps you feel like every spare dollar is going to pay down your debt, that you'll never be able to reduce credit card debt or that you'll never have the financial security you want. Fortunately, getting rid of debt is not as difficult as many people think. American Consumer Credit Counseling (ACCC) is a non-profit organization that provides solutions for getting rid of debt. Since 1991 we have helped tens of thousands of individuals and families – people just like you – understand how to get out of debt. Our solutions are proven and reliable, and our knowledgeable credit counselors are experts at working with you to craft a plan to pay off your debts, usually within five years, and live debt-free in the future. Take the first step in getting rid of debt today and contact us to schedule a free consultation.

Four easy steps for getting rid of debt.

Getting rid of debt is a pretty straightforward process. When you come to ACCC for help with debts, our credit counselors will work you to:

  • Assess your situation, getting a picture of your entire financial picture including your income, expenses and debt. Then we'll work with you to make a plan for how to eliminate debt.
  • Make a budget that you can live with for the next few years that will allow you to pay off your debts more quickly – usually within five years – and live without debt in the future.
  • Consolidate your debts so you can make a single payment to ACCC each month and let us make disbursements to your creditors. Simplifying your debt payments through consolidation helps to reduce the stress of owing money and makes it easier to stay current with your payments.
  • Lower your payments. Our counselors will work with your creditors for possible reductions in interest rates, late charges, over-limit fees and the time to pay off your debt.

Why choose ACCC for help getting rid of debt?

ACCC offers distinct advantages over other alternatives for getting rid of debt. As a nonprofit organization, we offer the lowest fee structure in the industry for people who need help getting out of debt. Our credit counselors are committed to providing superior customer service – they truly care about providing solutions for getting out of debt. Our debt management programs are extremely convenient, as we handle all of the details and communication with creditors for you. Finally, we offer a broad variety of free educational resources that can help you learn more about getting rid of debt, managing your finances, how to manage credit card debt, saving for the future and many other topics.

American Consumer Credit Counseling (ACCC) is a not-for-profit agency that offers credit counseling, housing counseling and other financial services to individuals and consumers nationwide. ACCC also offers a home buyers class and first time home buyer guide that provide help for first time home buyers as well as consumers getting back into the real estate market. ACCC's homebuyer education course provides comprehensive education and home buying tips on everything from choosing a realtor to closing on a new home. Available online and on mobile devices, ACCC's first time home buyer course provides a certification necessary to qualify and close on certain types of mortgage loans. ACCC also offers reverse mortgage info, including details on qualifying for a reverse mortgage and answers to questions like "What is a reverse mortgage?" and "How do reverse mortgages work?"

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member