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How to Get out of Debt

How to get out of debt – it's a question on the minds of many in the wake of the recent financial crisis. The downturn in the economy left many people with high credit card debt and unsecured personal loans. Living with too much debt can be stressful, particularly if you're forced to take a second job or work overtime in order to make your payments.

For anyone trying to figure out how to get out of debt, American Consumer Credit Counseling (ACCC) offers debt management programs that can help you take control of your finances, show you how to get out of debt and live a debt-free future. As a non-profit organization, we've helped tens of thousands of families solve their debt problems through credit card debt relief programs and other debt management services. Contact us today to learn more and to schedule a no-cost consultation with our professional debt counselors.

ACCC can show you how to get out of debt.

There's no secret or silver bullet for how to get out of debt – it's a methodical but manageable process that thousands of individuals and families undertake each year. When you come to ACCC to learn how to get out of debt, our certified professional counselors will work with you to:

  • Evaluate your finances and get a clear picture of what you owe.
  • Make a budget and a plan for getting out of debt faster – usually within five years.
  • Consolidate your debts so you can make a single payment each month. Debt relief consolidation helps to simplify your finances and take some of the stress out of owing money.
  • Contact creditors for possible reduction in interest rates, late charges, other fees and the time it will take to pay off your debt.

We also offer a broad range of educational resources, from personal consultation to newsletters to our website. You'll find information and tools that can help you better manage your money, avoid debt and get answers to questions like "how do you consolidate debt?", "how can I improve my financial situation?", "what are credit card debt consolidation loans?" and more.

How to get started on the path out of debt.

Getting started is easy – simply contact us today and speak with a certified debt counselor for a free, no obligation consultation about your debt situation. Our counselors are available weekdays, evenings and weekends to answer your questions and show you the process for how to get out of debt.

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, debt reduction programs and debt relief services to help consumers nationwide figure out how to pay down debt and how to get out of debt quickly. Our professional credit counselors provide free credit counseling to help individuals and families find the right debt solutions to help with credit card debt and avoid debt in the future. Our debt management programs provide help with debts by consolidating payments on credit card debt and other unsecured loans, with credit card negotiation services to reduce credit card debt interest rates and finance charges, helping consumers to pay off debt more quickly.

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