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How Do I Get out of Debt?

For many people, debt may seem like a crushing weight. The more behind they get on their payments, the deeper into debt they fall. For thousands of individuals and families, getting out of debt and living a debt-free life may seem like an impossible dream.

For anyone who's ever wondered "how do I get out of debt?", American Consumer Credit Counseling's (ACCC) debt management program can help you get out of debt in most cases within five years. Through budgeting, counseling, education and debt relief consolidation, our professional credit counselors can not only give you answers to the question "how do I get out of debt?", but can help you put together a plan to manage money more effectively and lead a life free of debt and the stress that accompanies it.

How do I get out of debt with ACCC?

As a non-profit organization and a leading provider of credit counseling and debt management services, ACCC has helped tens of thousands of families and individuals eliminate and reduce credit card debt. Here's how we do it:

  • Debt consolidation. By consolidating credit cards and other unsecured debts into a single monthly payment, we can help you manage your debt more easily, eliminating the stress of owing money to multiple creditors. You make one easy payment to us, and we disperse money to all of your creditors.
  • Reducing your payments. Our expert financial counselors work with your creditors for a possible reduction in interest rates, late fees, finance charges and over-limit fees on credit card debt while also reducing the amount of time creditors will allow for repaying your debt. And because we're a nonprofit organization, our services are affordable for nearly everyone.

How do I make a plan to get out of debt?

In addition to debt consolidation, our debt management counselors can help you put together a budget to manage your finances more effectively. We also provide access to a rich collection of educational resources to help you learn more about managing money, getting out of debt and planning for a strong financial future. For anyone asking the question "how do I get out of debt and stay out of debt?", our educational services provide an excellent resource.

How do I get started?

If you've been wondering "how do I get out of debt?", the answer is as easy as making a phone call. To start your debt management plan with ACCC, or to get more information, just call 1-800-769–3571, or click here to get started online.

American Consumer Credit Counseling (ACCC) is a nonprofit agency providing free credit counseling and credit card debt counseling as well as low-cost financial counseling services for individuals and families carrying too much debt. Consumers can work with a certified and highly trained credit counselor or debt consultant to understand their financial situation, consider ways of consolidating credit card debt and make a plan to get out of debt for good. Our debt management services provide debt consolidation help and consolidated debt relief by consolidating payments rather than loans. We offer lots of information about credit counseling online, as well as information about the pros and cons of a debt settlement agreement. We also provide bankruptcy counseling and information about life after bankruptcy.

Better Business Bureau Mass Housing Approved National Industry Standards for Homeownership Education and Counseling Council on Accreditation NFCC Member