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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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Lowering credit card debt

Lowering credit card debt is the first step to a debt-free life.

If you owe a lot of money on your credit cards, lowering credit card debt should be a high priority. Lowering credit card debt can save you a lot of money in finance charges each year, and help to make sure that your credit rating stays strong.

But lowering credit card debt can be pretty difficult to manage on your own, especially if you’re only able to make the minimum payment each month. Dealing with credit card debt requires a good plan for managing your money, and that’s why so many people turn to American Consumer Credit Counseling (ACCC) for help.

ACCC is a nonprofit organization dedicated to helping consumers find their way out of debt. From working with you to develop a plan for lowering credit card debt to creating a workable budget to help you live debt-free, our debt specialists can help you take the first steps toward a more secure financial future. Our credit counseling services are free, and the cost of our debt management services are among the lowest in the credit counseling industry. When you’re ready to start your journey out of debt, contact us for a free, no obligation consultation.

Lowering credit card debt with ACCC.

When you choose ACCC for help with lowering credit card debt, we’ll first work to get a comprehensive understanding of your financial situation, evaluating your financial goals, income, expenses, as well as the amount you owe in unsecured credit card debt and other loans.

Next we’ll go through all the options available to you for lowering credit card debt and paying off loans. We’ll discuss the advantages and disadvantages of strategies like credit card consolidation and debt settlement solutions, and help you arrive at a plan that makes sense for your unique financial situation. Along the way our certified credit counselors can answer all your questions and provide invaluable assistance in helping you take control of your finances.

Our most popular approach to lowering credit card debt.

For many of our clients, a debt management plan is the most effective way of lowering credit card debt. Our debt management plan involves consolidating all of your payments to your credit card companies into one easy payment to ACCC. We then make payments to each of your creditors on your behalf. This makes it much easier to keep current on payments and build trust with creditors, and allows us to seek reductions in interest rates and finance charges for you. As opposed to a credit card consolidation loan, a debt management plan does not require you to take out a new loan to pay off old debts. It’s a highly effective strategy for lowering credit card debt and allows most of our clients to pay off their debts within five years.

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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