As a reputable non profit credit counseling agency, American Consumer Credit Counseling is here to help you get out of debt.

How a Non Profit Credit Counseling Agency Can Help Your Financial Freedom

Personalized Debt Management Plans

One of the core offerings of non-profit credit counseling agencies is the development of personalized debt management plans (DMPs). These plans are tailored to your unique financial situation, providing a structured and feasible path to pay off debt. By evaluating your income, expenses, and existing debts, credit counselors can devise a strategy that consolidates your payments into a single, manageable monthly payment. This simplification of your financial obligations can reduce stress and make your debt repayment journey more straightforward.

Negotiated Interest Rates and Waived Fees

Non-profit credit counseling agencies like ACCC work on your behalf to negotiate with creditors. Their goal is to secure lower interest rates on your debts and waive any late or over-limit fees. This negotiation process can significantly reduce the total amount you owe, enabling you to pay off your debt faster and save money over time. These savings can then be redirected towards other financial goals or used to build a safety net for future uncertainties.

Educational Resources and Support

A standout benefit of engaging with consumer credit counseling services is the access to a wealth of educational resources. ACCC and similar organizations provide workshops, webinars, and one-on-one counseling sessions designed to equip you with the knowledge and tools needed for effective financial management. Topics range from budgeting and saving to understanding credit reports and improving credit scores. This educational support fosters financial literacy, empowering you to make informed decisions about your money and avoid falling back into debt.

Prevention of Debt Collection Harassment

Working with a credit counseling agency can also provide a buffer against the stress of dealing with debt collectors. Once enrolled in a debt management program, most creditors will halt collection efforts, giving you peace of mind as you focus on repaying your debt. This can alleviate the emotional and mental burden associated with debt collection, allowing you to maintain a positive outlook on your financial recovery journey.

Sustainable Financial Habits

Perhaps the most lasting benefit of credit counseling is the foundation it lays for sustainable financial habits. Through the guidance and support of counseling services, you can learn to budget effectively, save consistently, and spend wisely. These habits are essential for not only overcoming current debt but also for preventing future financial pitfalls. With the skills and knowledge gained from a non-profit credit counseling agency, you can enjoy a lifetime of financial well-being.

Bottom Line…

The journey to financial freedom is a path filled with learning, growth, and sometimes, challenges. Partnering with a non-profit credit counseling agency like American Consumer Credit Counseling offers a comprehensive approach to overcoming debt. From personalized debt management plans and negotiated repayment terms to invaluable educational resources and emotional support, the benefits of credit counseling can transform your financial landscape. If you’re struggling with debt, consider reaching out to a consumer credit counseling service. It could be the first step towards reclaiming your financial independence and building a prosperous future.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 

Finding the right support is crucial to successfully navigate the credit and debt management process . As a solution to help you regain control of your finances, credit counseling agencies such as American Consumer Credit Counseling offer credit counseling services and debt management programs to suit your financial situation. However, with many agencies in the market, making an informed decision is hard. Therefore understanding how to choose a credit counseling agency is crucial.

American Consumer Credit Counseling is here to help with your debt management plans and credit debt repayment efforts.

How to Choose a Credit Counseling Agency

Step 1 – Understanding What is a Credit Counseling Agency?

A credit counseling agency is a professional organization dedicated to providing financial education, guidance, and support to individuals dealing with credit and debt-related challenges. Agencies such as American consumer Credit Counseling  help consumers effectively manage their debt. As a result you are able to enhance credit scores, and make well-informed decisions regarding personal finances.

Step 02 – Understanding What Services a Consumer Credit Counseling Agency Offer?

1. Personalized financial assessment: Credit counseling agencies work closely with you to evaluate your current financial situation. This includes income, expenses, debt, and credit. This comprehensive assessment helps identify areas for improvement as well as what needs to be addressed immediately. Essentially, this is a foundation for developing a customized financial plan to tackle your debt situation.
2. Budgeting and financial management advice: Based on financial background, then they work on creating a realistic budget, tracking expenses, and implementing effective money management techniques. They provide support and tools to help you set financial goals, prioritize expenses, and save money. Your financial goals may differ based on the financial situation you are right now. If your priority at the moment is for credit card debt management, the action plan will mostly focus on you becoming debt-free.
3. Debt management plans (DMPs): For those struggling to pay off multiple debts, non-profit credit counseling agencies can develop a structured debt management plan. They negotiate with creditors to lower interest rates, waive fees, and create a feasible repayment schedule. Under a DMP, you can make a single monthly payment to the agency, which then disburses the funds to the respective creditors.
4. Credit education and workshops: Non-profit credit counseling agencies emphasize the importance of financial literacy by offering educational resources, workshops, and online resources. These programs cover essential topics such as:
   • Understanding credit reports and scores
   • Managing credit card debt
   • Budgeting basics
   • Techniques to preventing identity theft and more.
5. Specialized counseling services: Agencies like ACCC also provide specialized services for individuals facing specific financial challenges, such as Bankruptcy counseling if needed.

When seeking help from a non-profit credit counseling agency, it’s important to engage with a reputable and accredited organization. Agencies affiliated with the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA) adhere to strict standards of professionalism, ethical conduct, and client confidentiality, ensuring reliable and trustworthy assistance.

Get Credit Counseling Help Today!

How to Choose a Credit Counseling Agency?

To help you make an informed decision, we’ve compiled a list of key factors to consider when choosing a credit counseling agency.

Non-Profit Status

Look for a credit counseling agency that operates as a non-profit organization. These agencies are more likely to prioritize your financial well-being over their own profits. Check their credentials and ensure they are registered with the Internal Revenue Service (IRS) as a 501(c)(3) tax-exempt organization.

Accreditation

Accreditation is an important indicator of an agency’s commitment to high standards and ethical practices. The National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA) are two reputable organizations that accredit credit counseling agencies. Choosing an agency accredited by either of these bodies ensures that they adhere to a strict code of conduct and maintain high service standards.

Services Offered

A reliable credit counseling agency should offer a wide range of services, including:

• Free or low-cost initial consultations
• Budgeting and financial management workshops
• Debt management plans (DMPs)
• Housing and bankruptcy counseling

Make sure the agency you choose provides services that are relevant to your financial situation and goals.

Fees and Costs

It’s essential to inquire about the fees and costs associated with the credit counseling agency’s services. While most non-profit agencies offer free or low-cost initial consultations, some may charge for additional services. Get a clear understanding of all fees and expenses before committing to any credit counseling program.

Certified Counselors

An effective credit counseling agency will employ certified and trained counselors. These professionals should have completed a comprehensive training program and be certified by a recognized organization, such as the NFCC or FCAA. Additionally, ensure that the counselors have experience in addressing a variety of financial issues, including debt management, budgeting, and credit education.

Transparency and Communication

A trustworthy credit counseling agency should be transparent about their processes and maintain open lines of communication. They should provide you with a clear understanding of their recommended strategies and the potential outcomes. It’s essential to feel comfortable asking questions and discussing your financial situation with your counselor.

Client Reviews and Testimonials

Take the time to research the agency’s reputation by reading client reviews and testimonials. This will give you an insight into the experiences of others who have worked with the agency. Consider both positive and negative reviews, but keep in mind that individual experiences may vary.

Privacy and Security

Your financial information should be handled with care and discretion. Inquire about the agency’s privacy policy and measures taken to protect your personal and financial information. Ensure that they have strict security protocols in place to prevent unauthorized access to your data.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 

Research a debt consolidation company with these tips.

Choosing the Right Debt Consolidation Company

Choosing the right debt consolidation company requires homework. Before you decide, you should contact several agencies and interview them. After all, you’re hiring the agency to help you. So you need to know whether they’re committed to doing a great job for you.

Remember to check with your friends or relatives for recommendations. Maybe they have worked with debt management companies and found some they liked. Gather as many referrals as possible, and add these to your list. Also, interview each referral.

Additional Tips for Choosing the Right Debt Consolidation Company

• A legitimate debt relief agency is open and honest. It should be willing to provide you a clear, detailed description of its product and services. If the agency does not answer your questions or its answers are not satisfactory, go elsewhere.
• A reputable consolidated credit counseling agency will give you truthful, useful advice on how to manage your money and use credit wisely. The agency will also help you establish a written budget and offer educational materials and financial workshops.
• The fees charged by a debt consolidation company should be reasonable, meaning a maximum of $70/month for a debt management program. (Fees vary by state.) Free ongoing education on how to manage your finances should be available and accessible – even if you decide against entering a debt management program.
• The agency should have been in business for at least seven years and be non-profit. The advantage of non-profit debt consolidation companies is that they can offer their services for free or low-cost since they are funded in part by contributions from creditors.

Steps in Choosing a Debt Consolidation Company

The last, but most important steps, in selecting a reputable debt consolidation company are reviewing your interview notes and narrowing down the list.

• First, gauge your reactions to the information each company provided.
• How did you feel during your conversations with them?
• Were you comfortable? Were you unsure? If you were uncomfortable, cross off those agencies from your list.

By now, you should have a few final candidates. So, what is your next step? Now you can narrow down the list even further. In order to do this, contact the Better Business Bureau or your state’s Attorney General’s office to check on whether any complaints have been filed against each debt consolidation company. If there were complaints, find out how quickly the company responded. Also, find out whether the complaints were resolved appropriately. Armed with this information, you can now select the best debt management solutions provider.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 

Our credit counselors are here to help you with debt management.

How ACCC’s Personal Debt Consolidation Program Work

How does debt consolidation work with ACCC? First, a certified counselor from ACCC will assess your current debts and bills. This helps create a manageable budget for you. Once you establish a budget, and if you are a viable candidate, your counselor will provide you with debt consolidation information. If you do go ahead with the personal debt consolidation program, also known as a debt management program, ACCC will work out a plan with your creditors. In the program, you will make one monthly payment to ACCC and we pay each of your creditors on your behalf.

Benefits of a Personal Debt Consolidation Program

• Under the personal debt consolidation plan, your monthly financial obligations will be greatly simplified. This will make it easier for you 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.  This will 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 struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.

Follow ACCC’s tips to improve your credit score.

Understanding Your Credit Score

Before diving into improvement strategies, it’s crucial to understand what a credit score is and what it reflects. Your score is influenced by several factors:

• Payment History (35%): This indicates whether you’ve made your debt payments on time. Late payments can significantly hurt your score.
• Credit Utilization (30%): This is the ratio of your current revolving credit debt (credit card balances, for example) to the total available credit. Lower ratios are better for your score.
• Length of Credit History (15%): Longer credit histories tend to improve your score, as they provide more data on your repayment behavior.
• New Credit (10%): Opening several new credit accounts in a short period can lower your score, as it might indicate financial distress.
• Credit Mix (10%): A variety of credit types (mortgage, car loans, credit cards) can slightly improve your score, suggesting you can handle different types of credit responsibly.

Improving Your Credit Scores

Improving your score depends on how well you manage these factors. Here are actionable steps you can take:

1. Regularly Monitor Your Credit Report

Errors on your credit report can lower your score. By regularly reviewing your credit report, you can dispute inaccuracies. In the U.S., you’re entitled to a free report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) every year through AnnualCreditReport.com.

2. Pay Your Bills on Time

Since payment history is a significant component of your score, ensuring timely bill payments is crucial. Setting up automatic payments or reminders can help avoid late payments.

3. Reduce Your Credit Utilization Ratio

Paying down credit card balances and keeping them low relative to your credit limits will positively impact your credit score. Aim for a utilization ratio under 30%, but lower is always better.

4. Avoid Opening Multiple New Accounts Quickly

Each time you apply for credit, it can slightly lower your score. Opening several accounts in a short period can compound this effect. Apply for new credit accounts only as needed.

5. Consider a Debt Management Plan (DMP)

For those struggling with high levels of debt, a DMP offered through consumer credit counseling services can be a lifeline. Consumer credit counseling agencies such as ACCC provide personalized advice on managing your debt and can negotiate with creditors on your behalf to lower interest rates and create a consolidated payment plan. This not only helps manage your debt more effectively but can also assist in improving your credit score over time as you stick to the payment plan.

The Role of Consumer Credit Counseling in Improving Credit Scores

Consumer credit counseling services play a crucial role in helping individuals manage debt and improve their financial situations. Non-profit organizations such as American Consumer Credit Counseling offer low-cost services, including financial education, budgeting assistance, and DMPs. Engaging with ACCC credit counseling services can provide you with the tools and knowledge needed to take control of your debt, and in turn improve your credit score.

Bottom Line…

Improving your credit score is a journey that requires patience, discipline, and a proactive approach to managing your finances. By understanding the factors that affect your score and utilizing resources like consumer credit counseling and DMPs, you can make informed decisions that lead to better financial health. Remember, it’s not just about the numbers; it’s about empowering yourself to reach your financial goals.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 

The benefits of credit counseling can help you become debt-free.

Three Benefits of Consumer Credit Counseling

What is Credit Counseling?

Credit counseling is a financial service designed to educate consumers about how to pay off their debts and how to avoid debt in the future. A counseling session involves an analysis of a consumer’s financial situation, evaluation of debt reduction strategies for paying off or managing debt, and education about money management. Credit counseling is designed to help consumers who are struggling with debt to better control their financial lives.

Here are 3 benefits of credit counseling:

1. Working with Certified Credit Counselors

One benefit to credit counseling is that you will no longer be alone with your finances. When you seek credit counseling from a non-profit credit counseling agency, you will speak with a certified credit counselor for a full evaluation of your current financial situation. This analysis includes a detailed review of your assets, debts, and expenses. As everyone’s financial situation is unique, your counselor will help you come up with a personalized plan that works for you. Together, you’ll establish a reasonable budget while still being able to pay off your debts at the same time. In most cases, consumers are able to pay off their debts in 5 years or less.

2. You’ll Make A “Get Out of Debt” Plan

A major part of credit counseling is helping consumers come up with an actionable plan to get out of debt. Your counselor will help you look at the pros and cons of different debt relief strategies including credit card forgiveness, debt management, and more. Keep in mind that there is no “one size fits all” debt solution. These discussions will help your counselor to create a comprehensive picture of your situation, from which your counselor will make a recommendation.

For example, if you pursue credit counseling with an agency like American Consumer Credit Counseling, your counselor will evaluate whether you qualify for a debt management program, or DMP. A DMP is just one approach to debt relief that helps clients ultimately get out of debt faster. If you qualify for the program, advisors will work with creditors for possible reductions in finance charges, late or over-limit charges, monthly payments, and overall debt payoff time.

3. Gaining Financial Education

In addition to creating a plan, credit counseling sessions are also designed to educate consumers. Even if you decide not to pursue a course towards debt relief, one of the benefits of credit counseling is having access to a number of financial resources. Credit counseling sessions themselves are designed to help consumers see how they’re doing financially and how they can improve. For example, you and your counselor will discuss topics like budgeting, cash flow, income, and more. Plus, ACCC provides newsletters, articles, and a website full of tools as additional resources. If there’s ever a time to gain clarification on any questions you may have, take advantage during a session. In a larger sense, financial education can help you better manage money and stay out of debt in the future.

There are many benefits of credit counseling. Whether you’re seeking help to create a budget, or if you want to eliminate debt, credit counseling may be the best next step. By simply researching your options, it’s a good sign that you are already on the right path.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 

Reducing debt is an excellent use of your tax return. Here’s how you can look at it.

Understand Your Tax Situation

The first step in navigating tax season is to understand your tax situation accurately. Depending on your earnings last year and the income bracket you fall into you would already have some idea about what your situation would be. Are you expecting a refund? Or do you anticipate owing taxes? Your position can significantly affect your strategy for managing or reducing debt depending on where you stand.  If you are expecting a refund, consider using this as a debt repayment booster. Applying your tax refund towards your debt, especially high-interest credit debt, can accelerate your time frame to get out of debt.

Invest in a Debt Management Programs

Debt management programs offer structured plans for paying off debt. DMP’s from American Consumer Credit Counseling often negotiate lower interest rates and consolidating multiple debts into a single, manageable monthly payment. In most cases ACCC can work towards getting you debt free within 60 months. Tax season is an excellent time to reassess your participation in these programs. If you’re expecting a tax refund, it might be wise to work with your debt management counselor on how best to apply this refund to your debt repayment plan.

Credit Debt Consolidation

For those juggling multiple credit card debts, debt consolidation can be a game-changer. Credit debt consolidation involves combining all your credit card debts into one loan with a lower interest rate. This not only simplifies your payments but can also reduce the amount of interest you pay over time. If you are expecting a tax return, using it to pay down this consolidated debt can further reduce your interest burden and shorten your debt repayment timeline.

Pay Off Debt Strategically

When it comes to paying off debt, your approach matters. Focus on high-interest debts first. These are the types of debt that will cost you more. If you receive a tax refund, consider using it to make a significant payment on your highest interest debt. This strategy, known as the avalanche method, can save you money in interest over time and help you become debt-free faster.

Explore Debt Relief Options

Tax season is also a time to explore debt relief options. If your debt feels overwhelming, consult with a reputable debt relief or debt management service such as American Consumer Credit Counseling. These services can offer guidance on debt settlement, negotiation, and restructuring plans that might be more aligned with your financial goals.

Take Advantage of Tax Deductions and Credits

Don’t overlook the potential for tax deductions and credits to improve your financial situation. If you’ve paid interest on student loans or have made charitable donations, you may be eligible for deductions that can reduce your taxable income. Lower taxable income can lead to higher refunds.  This influx of extra cash can then be applied toward debt reduction.

Minimize Debt in Tax Season – Bottom Line…

Navigating tax season with an eye toward maximizing returns and minimizing debt requires a strategic approach. Understand your tax situation and  utilizing debt management programs can help you with effective money management. Consolidating credit debt, paying off high-interest debts strategically should be your top priorities. Exploring debt relief options, and taking advantage of tax deductions and credits are some ways  you can make tax season favorable. Remember, the goal is not just to manage your debt but to emerge stronger and more financially. Take advantage of the positive aspects of  the tax season.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 

Use these tips in decluttering debt as part of your financial spring clean up!

Tips to Decluttering Debt

Debt can pile up when you keep using one credit card to pay off another or when you have a big balance that’s hard to pay off. Creditors always want to give you more credit because they make money from the interest you’ll pay in the future. This can often lead to a lot of clutter in your debt portfolio.

Even if you stop borrowing money, unexpected things like losing your job can make it tough to pay your bills each month. And sometimes, unexpected expenses like medical bills or family emergencies can make it even harder to pay off your debt. This can lead to having even higher interest rates on the money you already owe. All of these scenarios together can lead to a chaotic financial situation. And it is a good idea to find ways to decluttering debt.

The good news is, you don’t have to deal with your debt alone. A knowledgeable debt counselor can help you figure out what to do about your money situation. They can suggest ways to reduce your debt. Debt management and consolidation can make it easier to pay back what you owe by combining all your payments into one that’s easier to handle. Before any of that you can do a few things to start decluttering debt as part of your financial spring clean up process.

1, Assess Your Financial Situation:

Before you can begin decluttering your debt, it’s important to take stock of your current financial situation. Gather all your financial documents, including credit card statements, loan agreements, and bills. Calculate your total debt amount, including outstanding balances and interest rates. Understanding the full scope of your financial obligations is the first step toward creating a plan for debt management.

2. Create a Budget:

Once you have a clear picture of your debt, it’s time to create a budget that aligns with your financial goals. Start by listing all your sources of income and fixed expenses, such as rent or mortgage payments, utilities, and groceries. Then, allocate a portion of your income toward debt repayment. Prioritize paying off high-interest debt first while making minimum payments on other accounts. A budget serves as a roadmap for your financial journey and helps you stay on track toward debt relief. Decluttering debt begins with the organization of your finances and a budget is a great stepping stone to start the process.

3. Explore Debt Management Options:

If you’re feeling overwhelmed by debt, consider enrolling in a debt management plan (DMP) offered by organizations like American Consumer Credit Counseling. A DMP consolidates your unsecured debts into one manageable monthly payment, often with reduced interest rates and fees. With the guidance of a certified credit counselor, you can create a personalized repayment plan that fits your budget and helps you become debt-free faster.

4. Cut Expenses and Increase Income:

As you work toward decluttering debt, look for opportunities to reduce expenses and increase your income. Cut unnecessary spending by dining out less frequently, canceling unused subscriptions, and shopping for deals. Consider picking up a side hustle or freelance work to supplement your income and accelerate debt repayment. Every extra dollar you put toward debt brings you closer to financial freedom.

5. Seek Support and Guidance:

Managing debt can feel like a daunting task. But you don’t have to do it alone. Reach out to organizations like American Consumer Credit Counseling for expert guidance and support. Our certified credit counselors can provide personalized advice, negotiate with creditors on your behalf, and help you stay motivated on your journey to debt relief. Remember, there’s strength in seeking help when you need it.

Bottom Line…

Spring is a season of renewal and growth, making it the perfect time to declutter your finances and embark on a path toward debt freedom. By assessing your financial situation, creating a budget, exploring debt management options, cutting expenses, and seeking support, you can take control of your finances and achieve your goals. With the assistance of debt management plans, debt relief options, and consumer credit counseling, you can spring clean your finances and pave the way for a brighter financial future.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 

A spending freeze is effective for getting back on track from your debt.

The Basics of a Spending Freeze

A spending freeze can last for as long as best suits your needs. It could be a week or a month. If you are doing a spending freeze on just a few budget categories, it could last for several months. Let’s break down the reasons behind the different lengths of time.

If you recently went on a bit of a spending spree, then a week long freeze might be just what you need. Think of it as a way to get back to your routine. A quick pause in spending can help shift behavior away from destructive habits that haven’t completely taken over and stop more personal credit card debt.

Another reason for a freeze might be due to a major purchase you recently made. Dropping a lot of cash or credit on a purchase can sometimes stretch the budget more than expected following that transaction. Therefore, a spending freeze can help to slow things down. It can also help to stop any thrill spending. I admit that spending money can be a hoot, especially a lot at one time. A spending freeze can act as a guard rail to prevent any overspending.

Do you have a major financial goal you are trying to achieve? Cutting back on a few budget categories can really make your savings add up fast. Clothing, entertainment, dining out are some of the common categories that can be put on hold while saving for a goal. Whether it’s managing credit card debt, saving for a down payment or putting money aside for college, a spending freeze can help.

More Tips for a Spending Freeze

Although it’s simple on paper, committing to a spending freeze can be difficult. Here are a few ways to help stay on track:

• Keep a small fund for “emergencies.” Try not to use it consistently. It’s for the tough times.
• Tell someone your plan. Having an accountability partner can be a great way to keep things on track.
• Create and display a visual reminder of your end goal. A little note to yourself on the mirror or a big inspiration poster can make a big difference.
• Start small. Try it out for a weekend and then add a few more days. You could also go on and off every other month.

Whether you need to save money or create better habits, a freeze on spending is a useful debt management tool.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 

ACCC can get you the credit counseling and debt management help you need to get out of credit card debt.

Drowning in Credit Card Debt? Consider Credit Counseling!

The important thing is to have a plan for paying off that debt! When you feel like you have more credit debt than you can handle, American Consumer Credit Counseling (ACCC) can help. We’re a non-profit organization that provides debt relief services for people who need help getting out of debt. ACCC’s credit counseling and debt management programs, have helped many to pay off credit card debt.

You can always consider paying off credit cards through a debt management program such as the one offered at ACCC.

Here’s How ACCC Can Help You Get Out of Debt!

• Evaluating your financial picture. An ACCC certified credit counselor will review with you all of your outstanding credit card statements, monthly bills, and other debts as well as your income. They will make a plan for how to eliminate debt – usually within five years.
• Making a plan for the future. The counselor will also help you create a workable budget that you can live with and a plan for staying debt-free in the future.
• Consolidating your debts. You can simplify your finances and reduce the stress of credit card debt through debt consolidation. This allows you to make one payment each month instead of many payments to a variety of creditors.
• Working with creditors. We’ll work with your creditors to lower your  debt by securing lower interest rates, lowering monthly payments or eliminating late fees. This will save you money and help you pay off your debt faster.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today.