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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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Legitimate debt consolidation

Working with a legitimate debt consolidation firm.

Many consumers with a lot of debt are looking for legitimate debt consolidation firms to help them consolidate multiple loans or debts into a single new loan. If the new loan has a lower interest rate or longer payment terms, individuals may be able to save money on interest, reduce their monthly payment or pay their debts off more quickly.

Looking for a legitimate debt consolidation agency is a good idea, as there are some debt consolidators that are less than trustworthy. Firms that don’t offer legitimate debt consolidation tend to charge exorbitant fees and make grand promises about how quickly you’ll be able to pay off your debt. A legitimate debt consolidation company will have a good reputation, a long history of serving consumers and won’t charge an arm and a leg to help you pay off your debt.

But even if you find a legitimate debt consolidation agency, consolidating your debts may not be the best way to get out of debt quickly. Many people who owe lots of money will consequently have a poor credit rating, and it can be tough to consolidate debt with bad credit. And often, consolidating is just a way of procrastinating on the real steps one must take to get out of debt for good.

Explore alternatives to legitimate debt consolidation with ACCC.

As you consider whether legitimate debt consolidation is the right path for you, it’s helpful to check with a credit counseling service who can give you objective advice and helpful information about other ways of managing your debt. At American Consumer Credit Counseling (ACCC), we offer free credit counseling that can help you determine if legitimate debt consolidation is the best option for you or whether other strategies will be more effective.

As one of America’s leading credit counseling agencies, our certified and highly trained counselors provide credit counseling and credit card debt counseling six days a week by phone or in person. At your free credit counseling session, we’ll help you get a clear look at your financial position as well as the many options you have for paying off your debt.

In addition to free credit counseling, we offer additional financial counseling services such as bankruptcy counseling, housing counseling and student loan counseling that can help you decide whether government debt consolidation programs are a good idea for paying off your student loans.

Legitimate debt consolidation vs. debt management.

One effective alternative to legitimate debt consolidation is a debt management program. Instead of consolidating your loans, a debt management program lets you consolidate your monthly payments. You’ll write just one check each month, and our team will pay your creditors on time each month. We’ll also work with them to potentially lower your finance charges and late fees, or to re-age your accounts to save you money and help you pay your debt off faster.

Learn more about alternatives to legitimate debt 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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