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How to pay off credit card debt

Want to know how to pay off credit card debt faster?

When your credit card balances are soaring, you likely want to know how to pay off credit card debt as quickly and easily as possible. You’ll also probably receive a lot of offers from companies offering to help with credit card debt negotiation, balance transfers or credit card loan consolidation. But before you take any steps to pay off debt, it’s a good idea to speak with a credit counselor or financial professional.

Many of the strategies on how to pay off credit card debt quickly may not work as well as you hoped they would. For example, if you choose Credit card loans, they often come with high fees that can slow your progress toward a debt-free life, and some credit card debt forgiveness schemes can end up destroying your credit. And if your ideas for how to pay off credit card debt don’t include ways to manage your finances in order to avoid debt in the future, you may find yourself just as deeply in debt a year or two later.

When you want to know how to pay off credit card debt most effectively, contact the highly trained certified credit counselors at American Consumer Credit Counseling (ACCC). As a nonprofit organization, we provide free credit counseling services to help you determine how to pay down your debt in a way that makes sense for your financial situation.

Learn how to pay off credit card debt with help from ACCC.

At ACCC, we are dedicated to showing consumers how to pay off credit card debt and how to avoid debt in the future. When you contact us for a free credit counseling session, our credit counselors will first work with you to document your financial situation. We’ll then go over the various strategies on how to pay off credit card debt – and how to manage your money more effectively to avoid falling back into debt again. We also offer a wide variety of free educational materials on everything from creating a budget to saving for retirement.

How to pay off credit card debt through debt management

When consumers want to know how to pay off credit card debt without taking on new debt, we often recommend a debt management plan. This approach lets you make a single payment each month to us, and we take on the responsibility of paying each of your creditors on time. You’ll experience less financial stress and will be able to keep up with your payments more easily. And we’ll work with your creditors to seek possible reductions in finance charges, interest rates, and over-limit fees and late fees. Ultimately, a debt management plan can reduce the amount of money you owe so that you can pay it off faster – usually within five years or less.

Learn more about how to pay off credit card debt with the help of ACCC, and get answers to questions like “What is a debt management program?” 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

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