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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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Paying down credit card debt

Need help paying down credit card debt?

Paying down credit card debt can be very difficult. Whether you came into debt through loss of a job, because of medical expenses, or by just plain overspending, paying down credit card debt may seem impossible – especially if you’re having trouble just paying the minimum each month. But paying down credit card debt is essential if you hope to have a strong financial future. Fortunately, there are agencies like American Consumer Credit Counseling (ACCC) that can provide helpful credit card debt advice and strategies for paying down your debt.

Get advice on paying down credit card debt.

ACCC is a nonprofit organization that offers debt reduction strategies and resources to consumers nationwide. Founded in 1991, with credit counseling certification through the National Foundation for Credit Counseling (NFCC), we have helped thousands of consumers find their way out of debt and regain control of their financial future. With free credit counseling and financial education about subjects like credit card debt and bankruptcy, we offer proven strategies for paying down credit card debt and learning to live life debt free. When you want to know how to pay off credit cards fast – usually within five years – contact us for a free, no-obligation credit counseling session.

Debt management: a proven strategy for paying down credit card debt.

A debt management plan is one of the most effective methods of paying down credit card debt. This credit card debt elimination strategy begins with an evaluation of your financial situation. Our highly trained counselors will review your debts as well as your income, other expenses and assets, and lay out all the options available to you for paying down credit card debt and achieving your financial goals. We’ll also help you create a budget for your household finances that will enable you to pay down your debt in the timeframe you desire.

Next, we’ll consolidate all your credit card payments into a single monthly payment to ACCC, which we’ll use to pay each of your creditors on your behalf. With just one payment to make each month, you’ll feel a lot less stressed about your finances, and you’ll have an easier time keeping current with your payments. And as we pay your creditors, we’ll seek reductions from them in the amount you owe and in finance charges, late fees, interest rates, and other charges. This strategy enables us to reduce the total amount you owe, and enables you to pay it off faster.

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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