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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 Debt Consolidation

ACCC’s Personal Debt Consolidation Program Puts You Back in Control

For people struggling with excessive debt, one of the most aggravating things is having to manage the demands of multiple creditors. There are too many due dates each month, piles of paperwork, and if you’ve fallen behind, so many late notices and collection letters that you may dread opening your mailbox. If this is your situation, American Consumer Credit Counseling (ACCC) has a personal debt consolidation program that can help. A non-profit debt management company with more than 22 years of experience, ACCC provides credit counseling and personal debt consolidation services for consumers in need.

How ACCC’s Personal Debt Consolidation Program Works

How does debt consolidation work with ACCC? It starts with a free counseling session in which one of ACCC’s certified debt counselors will assess your current debts and bills and help create a manageable budget for you. If appropriate to your circumstances, your counselor will provide you with debt consolidation information to show how the program may help you.

If you choose to participate in the ACCC personal debt consolidation program, ACCC will work out a consolidation plan with your creditors. You will make one consolidated payment to ACCC each month, through electronic funds transfer. We then pay each of your creditors, on time, and we provide you a monthly statement of your account.

Benefits of Personal Debt Consolidation with ACCC

ACCC’s program for personal debt consolidation can help you get your financial life back in order:

  • Under the personal debt consolidation plan, your monthly financial obligations will be greatly simplified, making it easier to budget and stay on top of your payments.
  • In many cases, creditors participating in the ACCC debt consolidation program will agree to lower interest rates and to waive existing late fees and over-limit fees. This can have the effect of lowering your monthly payments and reducing the time it takes you to become debt-free.
  • In combination with the debt consolidation program we offer expert debt advice and educational resources including a self-directed credit counseling course called Financial Peace of Mind, to help you stay on the path to a debt-free future.
  • Compared to most debt relief companies, ACCC has very low fees.

If you’re considering consolidating your debts, it’s important to work only with reputable debt consolidation companies. With ACCC, you’ll have peace of mind from knowing that ACCC is accredited with the Better Business Bureau with an A+ rating.

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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