Credit Counseling

Credit Counseling - You Can Get Out Of Debt Now!

A leading provider of consumer financial 
education and debt management services since 1991

  • Save 30 - 50% on interest and monthly payments
  • Payoff your credit card debt in 4 - 7 years, instead of 20 - 30!
  • Avoid the 10 year bankruptcy penalty on your credit rating
  • We negotiate with credit card companies on your behalf and can
    • Lower or eliminate late payment penalties
    • Lower or eliminate interest going forward
    • Protect your credit rating
  • Handle all of your accounts for you with one monthly payment
ACCC is a nationally recognized consumer credit (501)(c3) non-profit organization, helping people regain financial control through debt consolidation and credit counseling. 

Mission: “To financially empower our clients to regain control of the quality of their lives through education and financial management.”

How long does it take to pay off my debts - Most of our clients are able to reduce payments as well as reduce interest charges. If you continue to pay only the minimum amount due yourself, it would take 10 to 20 years to pay off most balances. But with our program, most clients are able to pay their debt in only 4 to 7 years.

How does your program effect my credit report - Most creditors will waive late fees, over-limit fees and re-age the account. (see CNBC report) The account is then considered current, a great plus for people who are behind. While some creditors will make a notation on your credit report such as "Managed by Credit Counseling," most acknowledge this is a responsible way of dealing with overextended credit issues.

Why will creditors lower interest rates for ACCC but not for me directly - The creditors realize that we are at times the last chance for many people and they would rather not assign the account to the Collection Department. They also realize that we work with people on debt management and budgeting. Since you have made a commitment to us, they feel that you are a better candidate to make monthly payments to us. We also eliminate an awful lot of paperwork for the creditors and they appreciate that.



 
 

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