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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 off Debt

Need help paying off debt?

If you find yourself owing a lot of money, paying off debt is probably a high priority. As you’re considering how to pay off debts, you will likely come across many options – from balance transfer offers to debt consolidation loans to debt settlement services. As you’re deciding which method of paying off debt is right for you, remember that many of these solutions are costly and may actually cause you to take on more debt. Other solutions may damage your credit score, making it hard to qualify for loans or mortgages in the future.

Fortunately there are better, more affordable alternatives for paying off debt – like American Consumer Credit Counseling (ACCC). We’re a non-profit organization that provides help to thousands of people each year. Our credit counselors can discuss all of your options for paying off debt, and help you understand how to reduce credit card debt most effectively. Contact us today to schedule a free, no-obligation consultation and take the first step toward paying off your debt.

ACCC: proven strategies for paying off debt.

As a nonprofit organization, ACCC offers free credit counseling and very low rates for services and advice on paying off debt. Our credit counselors are professionally trained and independently certified, and they’re experts at strategies for settling credit card debt and at teaching clients how to manage debt.

When our clients want to know how to get out of debt quickly, we usually recommend a debt management plan – an excellent solution for paying off debt within five years, in most cases. Under this arrangement, our counselors will help you get a complete picture of your finances and assist you in developing a budget that will enable you to pay off your debt over time. Then we’ll consolidate all the monthly payments you’re making to creditors into one payment to ACCC – we’ll pay each of your creditors on your behalf. With just one payment each month, you’ll find it easier to keep up with your debts and you’ll feel a lot less stress about owing money. As we’re paying your creditors, we’ll also work with them on possible reductions in the interest rates and finance charges on the money you owe as well as elimination of late fees and over-limit fees. This saves you money that helps you pay off your debt more quickly.

Why paying off debt with ACCC makes sense.

Paying off debt with ACCC is an excellent choice because we can help you:

  • Save money with lower fees.
  • Develop a workable budget that you can live with while paying off your debt.
  • Pay off debt faster by reducing your interest rates and finance charges.
  • Provide you with educational resources on a wide variety of topics about managing debt and finances.

Learn more about how to get out of debt fast – usually within five years – and a free consultation with our credit counselors.

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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