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Negotiating Credit Card Debt

Negotiating credit card debt can save thousands of dollars.

When you’re carrying high balances on your credit cards, negotiating credit card debt can help you save a great deal of money and pay off your debt faster. By negotiating interest rates, finance charges, late fees, and over-limit fees on credit card debt, you can often lower both your monthly payment and the amount of time it will take to pay off your debt.

Negotiating credit card debt takes time and some skill, however. Working with a professional credit counselor who is an expert at negotiating credit card debt can help you secure bigger reductions. When it comes to choosing someone to help with negotiating credit card debt, you’ll find the lowest fees – as well as free credit counseling – at American Consumer Credit Counseling (ACCC), a non-profit organization dedicated to helping consumers find ways to pay off debt. Our professionally trained credit counselors can help you with negotiating credit card debt, taking control of your finances, and showing you how to pay off credit cards.

Get help negotiating credit card debt from ACCC.

Negotiating credit card debt at ACCC is usually part of a debt management program, which is a great option for anyone who wants to learn how to get rid of debt. In this plan, you’ll consult with our credit counselors to evaluate your entire financial situation. Then we’ll help you put together a workable budget that will let you pay down your credit card debt more quickly – usually within five years. Next, we’ll consolidate all your monthly debt payments – rather than multiple payments, you’ll make a single payment to us, and we’ll pay your creditors on your behalf. This helps simplify your finances, reduces your stress, and makes it easier to keep up with payments. As we’re working with your creditors, we will be negotiating to try to lower interest rates and charges, to get the most advantageous financial terms to help you pay off credit card debt more quickly.

Why choose ACCC for negotiating credit card debt?

When you choose ACCC to help you with negotiating credit card debt, you’ll be able to:

  • Save money. As a nonprofit organization, our fees are among the lowest in the industry, and our negotiating skills can help you save more money on credit card debt.
  • Enjoy greater convenience. Our credit counselors will handle all the details for you.
  • Learn how to get out of debt more quickly. With a budget and a debt management plan, you can reduce your credit card debt more quickly. Most of our clients are debt free within five years.

Contact us today for free consultation and discover how to get out of debt quickly – in five years or less – with help from ACCC.

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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