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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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Personal credit card debt

Too much personal credit card debt?

If you’re carrying too much personal credit card debt, you’re not alone. In a difficult economy there are thousands if not millions of people who have more personal credit card debt than they’re comfortable with. When you lose a job, have a medical hardship or another emergency, it’s very easy for your personal credit card debt to go up quickly as you use your card everyday purchases like gas for your car and groceries.

If you’re concerned about your personal credit card debt or you’re interested in lowering credit card debt, contact American Consumer Credit Counseling (ACCC). Our professional credit counselors can help you get a clear picture of your financial situation and make a plan for reducing credit card debt and other unsecured debts. As a nonprofit organization devoted to helping people learn how to become debt free, we’re able to offer free credit counseling and low-cost debt management services for consumers nationwide. Contact us today to make a plan to lower or eliminate your personal credit card debt.

How to eliminate personal credit card debt.

There are many strategies in the credit counseling industry to eliminate personal credit card debt. The approach we recommend most often is a debt management plan in which you consolidate all your monthly payments into one easy payment to us, and we make payments to all your creditors on your behalf. This accomplishes several things – it simplifies your finances, relieving the stress of making lots of payments to lots of different creditors throughout every month. It also makes it easier for you to stay current with your monthly payments and build trust with your creditors, and it lets us engage in debt negotiation services to seek reductions in interest rates, finance charges and other fees from your credit card companies. This lowers the total amount of the personal credit card debt you owe and allows you to pay it off faster. Unlike a credit card consolidation loan, you won’t be taking on new debts to pay off old ones, and unlike a debt settlement arrangement you won’t be irreparably damaging your credit rating. Most people on a debt management plan are able to pay off their personal credit card debt within five years.

Get free education about personal credit card debt and other financial matters.

In addition to free credit counseling, our website features free educational materials on a wide variety of subjects including credit card debt and bankruptcy, budgeting, home ownership, identity theft, preparing for retirement, and many more.

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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