Skip to Content

How to Pay Down Credit Card Debt

ACCC can show you how to pay down credit card debt.

If you want to know how to pay down credit card debt, you'll find a lot of people offering answers. From credit card companies with balance transfer options to lenders offering debt consolidation loans; there are plenty of people willing to charge a great deal to show you how to pay down credit card debt.

American Consumer Credit Counseling (ACCC) is different. As a non-profit organization, we offer free credit counseling, help with credit card debt, and the fees for our services are among the lowest in the industry. Over the past 22 years, we've shown thousands of people just like you how to pay down credit card debt and manage money more effectively. Our credit counselors are professionally trained and independently certified, and available six days a week to answer your questions about how to pay down credit card debt and live a debt-free future. Contact us today for a free, no-obligation consultation – it's the first step in learning how to manage debt.

How to pay down credit card debt with a debt management program.

In your first consultation with our credit counselors you'll not only learn how to pay down credit card debt, you'll get a complete evaluation of your financial situation. We'll also assist you in creating a budget that will help you manage your finances and pay off debts. Depending on your financial situation, we may suggest enrolling in a debt management program to help you pay off credit card debt more quickly.

In our debt management program, you'll no longer make monthly payments to all your creditors. Rather, you'll make a single payment to us and we'll send money to your creditors on your behalf. With just one payment to make each month, you'll find that managing your money is much simpler and the stress of too much credit card debt is lower. We'll also work for possible reductions in interest rates on your credit card balances, as well as reductions in finance charges, late fees and over-limit fees. This will lower the total amount you owe, helping to pay down your credit card debt more quickly. Most of the clients in our debt management program are able to pay down debt in five years or less.

Learn how to pay down credit card debt, understand your credit score and more.

In addition to credit counseling and debt management programs, we offer a variety of free educational resources on our web site. You'll find financial tools, calculators and articles on how to reduce debt, how to create a budget, how to read a credit score, how to determine how much house you can afford, and much more.

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, financial education, debt relief consolidation and debt reduction services for consumers nationwide. We offer free credit counseling to help individuals and families learn how to pay down credit card debt and how to eliminate debt altogether. As an alternative to expensive unsecured debt consolidation programs for settling credit card debt, our debt management programs help consumers pay off debts and manage credit card debt more quickly by consolidating payments. We also offer debt negotiation services to help reduce finance charges and interest rates. And our financial education services show consumer how to manage money more effectively and how to get rid of credit card debt more quickly – usually in five years or less.

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