If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.

×

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

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

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.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

How do I manage credit card debt?

For consumers facing financial troubles, one of the biggest concerns is “How do I manage credit card debt?” Credit card debt is a huge burden for many individuals and families – sometimes it feels impossible even to make a dent in your credit card balances.

There are many answers to the question “How do I manage credit card debt?” Debt consolidation involves paying off high interest credit cards by taking out credit card loans at a lower interest rate. Debt settlement asks creditors to accept a lower lump sum payment to retire a debt. Credit card debt negotiation involves seeking reductions in interest rates, finance charges and other fees. Bankruptcy is also an option, although only as a last resort.

Each of these approaches has pros and cons – some can, unfortunately, leave you just as deeply in debt after a year or two of making payments. That’s why, before you embark on any debt reduction strategy, it’s always a good idea to get answers to the question “How do I manage credit card debt?” from a certified credit counselor like the professionals at American Consumer Credit Counseling (ACCC).

How do I manage credit card debt?

  • Figure out how much credit card debt you have total.
  • Calculate your income amounts on a month-by-month timeline.
  • Subtract your monthly expenses from the average amount you make a month.
  • Use the remainder amount to pay off debt, starting with credit lines with the highest interest rates.

How do I manage credit card debt with ACCC?

Since 1991, the certified credit counselors at ACCC have been helping consumers make a plan to pay down debt and learn to live without debt in the future. We are a non-profit organization, which means we offer free credit counseling and low-cost debt management services for individuals and families who want to know “How do I manage credit card debt most effectively?”

Our credit counselors will help you get a concrete picture of your finances and debts, and present you with a number of options based on your situation. We’ll help you select the best path out of debt, direct you to helpful resources, and answer your questions about debt, including “How do I manage credit card debt to get out of debt for good?”

How do I manage credit card debt with debt management?

For many people, a credit card debt management program is the best answer to the question “How do I manage credit card debt?”

Unlike debt consolidation, a debt management program does not require you to take on new debt to pay off your credit cards. With a debt management plan, we’ll help you set up a budget to make payments on all your bills and debts each month and you’ll consolidate payments by sending just one payment to us while we take care of paying your creditors. We’ll also make proposals to them to reduce your interest rates and finances charges, or to re-age your accounts so you are current, enabling you to pay off your credit card debt faster.

Contact an ACCC credit counselor to get answers to questions like “How do I manage credit card debt?”, “What is a unsecured credit card?” 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
creditU

Say goodbye to the burden of debt

Struggling to manage your debt and improve your financial health is a thing of the past with the CreditU mobile app, an essential tool for anyone looking to manage their personal finances with ease.

CreditU Apple App Store CreditU Google Play
Dev Tool:

Request: how-do-i-manage-credit-card-debt
Matched Rewrite Rule: ([^/]+)(?:/([0-9]+))?/?$
Matched Rewrite Query: name=how-do-i-manage-credit-card-debt&page=
Loaded Template: single-resource-pages.php