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How to Pay off Credit Cards

Want to know how to pay off credit cards?

Are you thinking about how to pay off credit cards and get yourself out of debt? You're not alone – the recent downturn in the economy left many people with too much credit card debt and no strategies for paying it off. As you consider how to pay off credit cards, you'll get offers from a lot of companies who want to help – they'll promise to show you how to get out of debt quickly or pay off credit card debt with a new loan. But many of these organizations are for-profit organizations designed to make significant money on the services they offer you. When you want to know how to pay off credit cards without getting charged an arm and a leg, consider the services available from a non-profit organization like American Consumer Credit Counseling (ACCC).

Learn how to pay off credit cards with ACCC.

At ACCC, our mission is to help people intent on paying off debt and living life debt-free. Because we are a non-profit, we're able to charge rates that are the lowest in the industry. We even offer free credit counseling – there's no charge for your initial consultation with our credit counselors. With over 22 years in business, we've helped tens of thousands of people learn how to get out of credit card debt, how to create a budget, and how to manage their finances more effectively.

When you come to ACCC to figure out how to pay off credit cards, our professionally trained and independently certified counselors will help you evaluate your financial picture and assist you in making a budget that will let you pay down your debt gradually. If your situation warrants it, they may also recommend a debt management program that can help you pay off credit cards more quickly.

How to pay off credit cards with a debt management program.

A debt management program from ACCC is an excellent solution for how to pay off credit cards. Most of our clients are able to pay credit card debt off within five years.

Under our debt management program, we'll consolidate your monthly debt payments – all those checks you write each month to credit card companies and other creditors. Instead of multiple payments to them, you'll make one payment to us and we'll send checks to your creditors on your behalf. This simplifies your finances and makes it easier to stay current on your payments. We'll also work with the credit card companies to seek possible reductions in the interest rates, finance charges, and other fees they're charging you. By negotiating credit card debt and fees, we can help you save thousands of dollars, enabling you to pay off credit cards more quickly.

American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling agency offering services such as debt advice, debt consolidation programs, and consumer bankruptcy counseling. We have provided thousands of families with financial counseling and helped them with consolidating bills and paying off credit cards. For consumers in need of bankruptcy counseling, ACCC is approved by the Department of Justice to provide both pre bankruptcy credit counseling and post-bankruptcy debtor education.

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