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We Specialize in Helping People Pay Off Credit Cards:
- Significantly reducing your interest rates and monthly payments
- Guiding and supporting you to a life free from debt
- Regaining control of your finances
- Helping pay off your debt faster
Regain Control of Your Finances Today
The Nonprofit Help That Can Help You Pay Off Debt
You are taking a proactive step to better understand your financial options. Our role is to provide clear, nonprofit guidance rooted in education and personalized support:
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Free, confidential credit counseling
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Budget and debt reviews
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Ongoing support if you choose a Debt Management Plan (DMP).
What is a Debt Management Program (DMP)?
A Debt Management Program is a structured repayment plan offered by nonprofit credit counseling agencies like ACCC. If you’re eligible, we work with your creditors to reduce interest rates and fees, then combine your payments into one affordable monthly payment.
You still repay 100% of what you owe — just with less interest and a clearer path to becoming debt-free.
Does ACCC do debt settlement?
No. ACCC does not negotiate balances down or ask you to stop paying creditors. We focus on interest-rate reductions and structured repayment, which helps protect your credit.
Is there a cost?
Your consultation is free. If you enroll in a plan, fees are modest, transparent, and nonprofit-regulated and often offset by the interest savings.
What types of debt can you help with?
We help with credit cards, personal loans. medical bills and collection related unsecured debt.
Will this hurt my credit?
Many clients see long-term credit improvement as balances decrease and payments become consistent.