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How to pay off credit cards fast

Are you drowning in credit card debt and wondering how to pay off credit cards fast? Have you found there are a lot of people out there with opinions on this matter? From debt negotiation services to debt settlement solutions, you're likely to come across many companies with "easy" solutions for how to pay off credit cards fast.

The truth is that most of these options don't work. These for-profit firms will promise to aggressively negotiate with your creditors and get them to accept much less than you owe. But in the process, they'll charge you significant fees, your credit rating will take a big hit, and there's no guarantee that their efforts will yield results. Rather than a way to pay off credit cards fast, these firms may actually leave you deeper in debt.

When you want objective advice on how to pay off credit cards fast, look for a nonprofit credit counseling agency like American Consumer Credit Counseling (ACCC).

Solid advice on how to pay off credit cards fast.

ACCC is a nonprofit debt relief center dedicated to helping consumers just like you find their way out of debt and learn to live life debt-free. We provide free credit counseling – our certified counselors will take the time to analyze your financial situation and show you all the available options for how to pay off credit cards and get out of debt. They'll explain the advantages and disadvantages of credit card debt settlement and negotiation services, and help you choose the best approach for dealing with credit card debt.

Unfortunately, there's really no magic bullet for how to pay off credit cards fast – it takes time, patience and discipline, but our counselors will walk with you every step away, and steer you away from schemes that promise to lower credit card debt but that may really leave you with greater debt.

Debt management: our best plan for how to pay off credit cards fast.

One of the options that we often recommend for paying off unsecured credit card debt is called a debt management plan. Under this arrangement, rather than paying each of your creditors every month, you'll make one payment to ACCC instead and we'll pay your creditors for you. Not only does this leave you with just one easy payment to make each month, but it lets us enter into conversations with your creditors about ways to lower your interest rates and finance charges, and to stop late fees and over-limit fees. For clients who want to know how to pay off credit cards fast, this is usually the best approach. Most people are able to pay off their credit cards within five years or less.

American Consumer Credit Counseling (ACCC) is a leading source for personalized debt management advice and programs to consolidate your debt. If you are interested in consolidating debts, contact one of ACCC's credit advisors to learn how to consolidate bills without having to take a consolidation loan as would be suggested by some other debt relief agencies. As a Better Business Bureau accredited credit counseling agency, you can count on ACCC for fair and honest help with credit issues. We are also approved by the Department of Justice to provide pre-bankruptcy counseling and post-bankruptcy credit counseling courses.

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