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.


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Debt Management Program

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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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How to Pay Down Debt

How to pay down debt more quickly.

One of the most frequently asked questions on financial matters is how to pay off credit cards or how to pay down debt fast. Most people who are deep in debt want to find ways to pay off debt as fast as possible. While there are no real secrets for getting out of debt immediately, there are solutions for how to pay down debt more quickly, and the professional credit counselors at American Consumer Credit Counseling (ACCC) can help you find them.

ACCC is a non-profit organization whose mission is to provide help with credit card debt and credit problems to American consumers. With more than 22 years’ experience, we are experts at helping individuals and families make plans for how to pay down debt, manage money more effectively and live life debt-free. Our professionally trained and independently certified credit counselors have shown tens of thousands of people how to pay down debt and avoid getting into debt in the future. As a non-profit, we’re able to provide free credit counseling services, and our fees for debt service are as low as any in the industry. Contact us today to schedule a free consultation.

Why let ACCC show you how to pay down debt?

There are many organizations promising to show you how to pay down debt. Here’s why you’ll want to choose ACCC:

  • You’ll save money. Because we’re a non-profit organization, we can charge less than other for- profit companies offering to teach you how to pay down debt, and our initial credit counseling consultation is free of charge.
  • We do more. Our counselors will not only show you how to pay down debt, they’ll walk you through every step and take care of many of the details for you.
  • You’ll get out of debt faster. Our proven strategies for how to pay down debt and how to pay off a credit card can help you be debt-free more quickly – in most cases, within five years.
  • Free educational resources. You’ll find a wealth of financial tools, calculators, and articles on our website that can help you learn about home ownership, how to manage money more effectively, how to create budgets and more.

How a debt management program can help you pay down debt more quickly.

When you come to ACCC to learn how to pay down debt, our counselors may recommend a debt management program. Under this plan, you’ll consolidate all the payments you make to your creditors each month into one payment to ACCC. We’ll pay your creditors on your behalf. We’ll also seek to secure reductions in your interest rates, finance charges, late fees and over-limit charges. A debt management plan simplifies your finances and helps you keep up with payments more easily. By negotiating credit card debt in this way, we can potentially help you save thousands of dollars over several years and pay off credit card debt more quickly.

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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