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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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Too Much Credit Card Debt

Too much credit card debt makes life difficult.

When you’re carrying too much credit card debt, it makes things pretty tough. You may feel like you’ll never find your way out of debt, or that you’re always working too much to try to pay down your credit card balance. Too much credit card debt can hurt your credit score, which can make it hard to get a loan, buy a car, or even rent an apartment. Having too much credit card debt is stressful – for many it’s like a heavy weight they carry around all the time.

Luckily, there are ways to get help with your credit card debt and people who can show you how to get out of debt completely. Tens of thousands of individuals and families have learned how to reduce debt with help from American Consumer Credit Counseling (ACCC), a non-profit organization dedicated to helping people solve the problem of too much credit card debt.

When you have too much credit card debt, ACCC can help.

At ACCC, we offer a variety of strategies, solutions, and tools for people who have too much credit card debt and other unsecured debts. We offer:

  • Expertise. Our professionally trained and independently certified credit counselors are experts at helping you understand how to pay off a credit card, how to manage money more effectively and how to live life debt-free in the future.
  • Savings. We offer free credit counseling and the fees for our debt management services are among the lowest in the industry.
  • Faster pay off. We work to help you save money in a variety of ways and show you how to get out of debt quickly – usually within five years – through a debt management plan.

Debt management plans: an alternative solution for too much credit card debt.

When you have too much credit card debt, you’ll get a lot of offers from banks and other credit card companies offering to transfer balances or give you a new loan to pay credit card debt. The problem with many of these solutions is that they can cost a lot or require you to take on new liabilities, leaving you with even more debt. A debt management plan from ACCC is a great alternative for getting out of credit card debt. Under this plan, you’ll consolidate all your payments to various creditors and instead make just one payment each month to ACCC. We’ll cut checks to creditors on your behalf, saving you the time and hassle of paying bills each month and simplifying your finances to make it easier to keep current with payments. We’ll also work with your creditors to reduce interest rates, finance charges, and fees to help save you money and pay off debt faster. Most of our clients with too much debt have been able to pay it off within five years using a debt management plan.

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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