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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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Ways to Pay off Debt

Need to find ways to pay off debt?

When you owe a lot of money, you’re likely to hear from companies offering lots of ways to pay off debt. Credit card companies will suggest getting rid of credit card debt by transferring balances. Banks may offer you home equity loans, and debt settlement companies will offer to help reduce your debt for a fee. But as you consider these ways to pay off debt, it’s important to understand the true cost. Many common ways to pay off debt involve higher interest rates, larger fees, additional debt, or a negative impact on your credit score.

To find better ways to pay off debt, consider the services available from American Consumer Credit Counseling (ACCC), a nonprofit agency dedicated to free credit counseling, affordable debt management, and showing people how to get rid of debt without ruining their credit score.

Find more ways to pay off debt with ACCC.

At ACCC, our professional credit counselors will show you how to pay off credit cards, help you set a budget, and provide resources you can use to manage finances more effectively. During your first free consultation, they’ll evaluate your finances and provide you with a detailed report outlining your situation. They’ll discuss the options available to you, including a variety of ways to settle your debt. Depending on your goals, they may recommend a debt management plan, which is one the most effective ways to pay off debt for many individuals and families. Over the past 20 years, we’ve helped tens of thousands of people learn how to get rid of credit card debt and live life debt free. Our counselors are available six days a week to help you take the first steps toward paying off your debt.

Debt management: one of the best ways to pay off debt.

Of the many ways to pay off debt, we most often recommend a debt management plan because it enables you to pay down debt without declaring bankruptcy or creating long-term problems for your credit score. In our debt management plan, you’ll make just one monthly payment to us and we’ll pay your creditors on your behalf. This enables you to simplify your finances and keep up with payments more easily, and it enables us to work with your creditors on possible reductions in interest rates, finance charges, and other fees. This method of negotiating credit card debt typically results in significant savings and is a great option for anyone who wants to know how to reduce credit card debt more quickly – most of our clients are able to pay off 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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