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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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Help with debt problems

Need help with debt problems?

When you need help with debt problems, you’ll find many companies providing advice and services. From balance transfer offers to companies offering a personal debt consolidation loan or debt settlement services, you may be overwhelmed by the number of offers that promise fast and easy help with debt problems.

But choosing the right debt relief solution is rarely a simple matter. Many of these offers are from for-profit companies who are more interested in turning a buck than in truly providing help with debt problems. It’s also important to watch out for scam artists operating in this industry. And even when you are working with the best and honest company, if you don’t deal with the financial habits and problems that got you in debt in the first place, chances are that no debt relief program will help you truly get out of debt.

That’s why, when seeking help with debt problems, it’s wise to look for a reliable nonprofit organization that can help you to both pay down your debt and learn how to live debt-free in the future.

Get help with debt problems from ACCC.

American Consumer Credit Counseling (ACCC) is a nonprofit organization dedicated to providing help for people in debt. Since 1991, we have helped thousands of consumers pay down or eliminate debt and learn how to avoid debt in the future. We offer free credit counseling sessions where you can get a complete picture of your financial situation and learn about the options available to you for help with debt problems. We know that owing a lot of money is a stressful and sometimes scary situation, and we’re happy to provide advice and answers to your questions about debt, including questions like “How do I consolidate loans?” and “How can I protect my credit rating?”

How ACCC provides help with debt problems

In addition to our free credit counseling services, we also offer counseling on bankruptcy, housing issues and student loans, as well as financial education materials and a debt management program.

For many of our clients who need help with debt problems, a debt management plan is the most effective way to get out of debt for good. Under this arrangement, you will make a single payment each month to us and we’ll pay your bills and loans on your behalf. This ensures that your creditors are paid on time each month, and it gives us the opportunity to work with them to potentially reduce your interest rates, finance charges and other fees. The result: we may be able to help reduce the amount you owe, enabling you to pay it off faster. Most of our clients on a debt management plan are able to get out of debt within five years or less.

Learn more about getting help with debt problems from ACCC, and get answers to questions like “How do I pay off debt faster?” and “What is loan consolidation?”

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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