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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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NonProfit Debt Consolidation Companies

Paying Credit Card Balances through Non-Profit Debt Consolidation Companies

When mounting debt from multiple credit cards becomes unmanageable, nonprofit debt consolidation companies make a difference. Their counselors can help you develop a plan to pay the balances in a single monthly payment, and in some cases, reduce interest and eliminate extra fees. Their debt assistance programs are low-cost and in the case of severe financial hardships, the fees are often waived.

Many free financial resources are available through non-profit debt consolidation companies, such as personal financial workbooks, budgeting worksheets, and debt calculators. The calculators range from assessing how much down payment you need for a house based on different home loan interest rates, to the amount of time it takes to pay off a credit card when paying only the minimum balance each month. Some nonprofit debt consolidation companies are also approved by the government to provide pre-bankruptcy counseling and post-bankruptcy credit counseling courses.

Credit Card Payment Consolidation through Non-Profit Debt Consolidation Companies

When you work with nonprofit debt consolidation companies, you’re not taking out a loan to pay off your bills. Instead, your credit counselor works with your creditors to consolidate your debt into one convenient monthly payment. In many cases, the amount you pay every month will be less than if you paid to each bill separately. Often your counselor can even reduce your interest rates and eliminate extra fees, like over limit and late charges, through the debt consolidation plan.

When a debt management plan agreement is in place, you send your monthly payments to the debt consolidation company, which distributes the money to each creditor. This continues until all of the bills are paid in full. You counselor also helps you establish a workable budget and provides other educational resources to help you manage your finances and remain debt-free.

You can consolidate your unsecured debt under these plans through the non-profit debt consolidation companies. Unsecured debt is any money you owe that is not backed by collateral. Examples of unsecured debt are credit cards, department store cards, personal loans, and lines of credit. Credit card bills are often the biggest unsecured loan burden for many people who choose to consolidate debt.

Consolidate Your Debt through One of the Top NonProfit Debt Consolidation Companies

Have you been researching nonprofit debt consolidation companies for details on their products and services? Then look no further than American Consumer Credit Counseling (ACCC). With more than 22 years of experience, accreditation with the Better Business Bureau with an A+ rating, and thousands of satisfied customers, we are a proven leader in the industry.

Are you ready to start an effective debt management plan for paying off credit cards? We’re here, ready to help.

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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