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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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Settling Credit Card Debt

Avoid damaging your credit score – choose the right agency for settling credit card debt.

Settling credit card debt through a debt settlement agency is an attractive option for anyone with too much credit card debt. But if you choose the wrong agency for settling credit card debt, you could find yourself deeper in debt and end up damaging your credit score. Many companies offering solutions for settling credit card debt are less than honorable in their intentions – they may ask you for fees up front, charge enormous amounts for their services or fail to tell you about the risks to your credit score.

If you’re interested in a safe alternative for settling credit card debt, consider the programs available from American Consumer Credit Counseling (ACCC). We are a non-profit organization devoted to showing individuals and families how to pay down debt and live life debt-free. Contact us today for a free consultation with no obligation and learn more about your options for settling credit card debt.

Get help settling credit card debt from a non-profit organization.

The debt settlement industry is highly profitable – when you’re considering ways of settling your credit card debt you’ll get lots of offers from a variety of companies. At ACCC, our mission is to help you understand how to manage debt and show you ways for paying off debt that won’t hurt your credit score or bring you deeper into debt. We offer free credit counseling and affordable debt management services – we strive to keep our fees as low as possible and will often waive them for hardship cases. Before you enter into an agreement for settling credit card debt with another agency, give us a call to compare their services with the programs and help available from our non-profit agency.

How settling credit card debt with ACCC works.

One of the most effective ways of settling credit card debt is through a debt management plan from ACCC, which offers very low fees and will not harm your credit score in the long run. This is the program we usually recommend when a client wants to know how to get out of debt fast. Under a debt management plan, our counselors will show you how to get rid of credit card debt by developing a budget you can live with while paying down your debt a little each month. Next, will consolidate your monthly payments to all your creditors – you’ll make one payment to us and we’ll write checks to everybody on your behalf. This makes your finances simpler and helps you keep current with your monthly debt payment. We’ll also work for possible reductions in interest rates and finance charges on your debt. This reduces the amount you owe and helps to pay it off more quickly – most of our clients can eliminate their debt within five years.

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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