Credit Counseling
Why Do I Need Consumer Credit Counseling?
Credit card debt can quietly creep into your life. Credit cards can make it challenging to monitor your daily spending. When using cash for purchases, you physically part with the money from your wallet at the point of sale. Each time you visit an ATM or bank teller, you receive frequent reminders of your spending. However, with a credit card, small charges can add up throughout the month. Your smaller spends can add up and turn into a rather big bill by the end of the month. If you don’t pay your credit card bills on time you are likely stacking up additional charges and fees.
Unexpected expenses can occur even for responsible credit card users who maintain their spending within a practical budget. A sudden car or home repair expenses, medical bills, or family emergencies may require you to spend with your credit card more frequently than you needed to. While trying to regain financial stability, it’s easy to lose track of interest payments, minimum payment percentages, and APRs. In tough situations such as this credit counseling services offered by American Consumer Credit Counseling can be a feasible option for you to look at to get your finances in order.
Let’s Look at Some Credit Card Debt Facts…
Overall, the national average card debt among cardholders with unpaid balances in the third quarter of 2024 was $7,236, up from $7,130 in the second quarter.
Credit card debt has become a huge issue today. Millions of individuals are facing the consequences of Increasing balances and high-interest rates. This can have significant long-term impacts on your overall financial health. Over the years, credit card balances have consistently seen an upward trend especially post 2014. The pandemic showed a slowdown but as life is kicking back to normal credit card debts are seemingly picking up again. Therefore having a proper debt management plan in place is crucial to the success of your financial management. ACCC experts can help you get there!
Credit Counseling & Debt Management: Overcoming Financial Obstacles
Even for conscientious credit card users that keep their spending within a realistic budget, things can happen. A surprise car expense or home repair, a medical bill or family emergency can turn your credit card from a convenient way to pay into the only way to pay. While working on getting things back to normal, you can lose track of the interest payments, minimum payment percent, and APRs. Even if you’ve collated all the various credit lines into one payment with a consolidation loan, the repayment is still hanging over you.
Individuals facing financial difficulties experience very different situations. That’s why a credit counseling (https://www.consumercredit.com/debt-help/) service is different than simply taking out a consolidation loan. A debt consolidation loan may seem like the only option, but when you contact ACCC’s counseling center, we will help you determine the best way to approach your situation and provide you with the best credit counseling service options possible.
When you contact our counseling agency, a professionally trained debt counselor (https://www.consumercredit.com/what-does-a-debt-counselor-do/) will:
- Help you evaluate your current financial situation.
- Provide you with a detailed review of your income, assets, and expenses.
- Provide personalized options based on your goals.
If the Debt Management Program (https://www.consumercredit.com/debt-programs/debt-management-program/) is your best option, we will provide you with the complete program and details.
At the end of the counseling session, you will feel good knowing that there are options available and that you are not alone. ACCC is here to help and provide you with the best debt solutions for you and your situation.
To discuss your needs, our debt management (https://www.consumercredit.com/) and credit counselors are available:
- Monday–Thursday: 9:00 am to 11:30 pm EST
- Friday: 9:00 am to 8:00 pm EST
- Saturday: 10:00 am to 6:00 pm EST
Are you still not sure if a Debt Management Program is right for you? See what others are saying.
This is an excellent service. AJ was patient and explained every step. He was great to work with. He wasn’t overly assertive and listened as we worked towards a plan.
– Dwayne from CA
This has been an absolutely perfect experience for us. We recommended you guys to our daughter and she just completed the signup process. She was amazed at how uncomplicated it was. It’s always easy to reach someone when I call with a question. 5 Stars!
– Lynette from CA
Catarina was very patient, professional, and efficient in clearly explaining everything. The whole process was much easier than I expected.
– Patricia from CT
The testimonials provided herein are unsolicited comments from clients, based upon their individual needs, concerns, and circumstances. These comments are provided for informational purposes only and should not be construed as a guarantee of similar results or experiences, as each individual’s circumstances will vary. Client comments are included for informational purposes only.
Cary B Scott
In Sept 2018 I had $99,782 in credit card debt. I contacted American Consumer Credit Counseling (ACCC) and entered into a consolidation program because they don't stop paying the debt to force a settlement. Instead they negotiated a lower interest rate with each of the creditors without hurting my credit rating. I worked a TON of overtime and denied myself many luxuries, such as vacations and my beloved wine collection. Most months I paid almost twice the minimum payments. My first payment was in Oct 2018. I just arranged for my last payment in Sept 2022. You don't have to feel like you're drowning. Accept the situation and do something about it.
Dennis Ducsik
Our counselor Clete deserved every one of these five stars. He was ultra knowledgeable, gave clear answers to our questions and some very useful tips, and was friendly and even funny to boot. The session with him went a long way in boosting our confidence that we were choosing...
J Goose
Richard Eden was awesome to work with. He really helped to coach and explain the process of different types of debt consolidation for me. I felt really comfortable making the decision to go with American consumer as my debt consolidator because it was straightforward and gave...
Shauna Carter
Fantastic company! I worked with Richard and he was so helpful and kind. He was also very knowledgeable as he worked as a loan officer previously. His help was exceptional and I’m happy to be working with ACCC
Sandra Plummer
Gabriel was awesome patient knowable. Gabriel never gave me a judgmental vibe he was kind and answered all my questions. He worked a plan for me that took away stress. Thank you ACCC and Gabriel for making my stress level go way down.
Colleen Riley
Richard was extremely helpful and very knowledgeable. He took his time to explain everything to me and helped me feel way more at ease with the situation I’m currently dealing with. After almost a 2 hour conversation he helped me feel like i can breathe again and now I’m on my...
Brandon Rincon
Richard was fantastic and helped put me at ease to let me know that there was a way out of this high interest debt I had. He put together a great plan and took his time to make sure I understood everything! Highly recommend him again!
donna billings
Today as always, the staff at ACCC helped me with all my questions. I had the pleasure of talking with Mya a few moments ago. She was courteous and very informative. I appreciate the fact that she took her time to explain things instead of hurrying me. She was professional and...
Erin
Matthew was great! Explained everything he was talking about and answered any questions I had and was so positive and helpful with the whole experience. Made me feel a lot less alone and a lot less stressed with the whole situation.
Sonika Buitendag
Patience and kindness that the representative show is so comforting to someone who is in a bad spot financially. I spoke with Jonathan this morning, Completely confused as to what I need to accomplish on my part, and he was so kind when he helped me. He put my mind at ease and...
Nancy Boyd-Lennon
I was impressed from my first contact with American Consumer Credit Counseling. I spoke with several professionals before I was assigned to Cleet Thomas. As a retired business professional l know what great customer service should look, sound and feel like. Mr.Thomas delivered...
Benny Haddigan
Paul McGowan was such a pleasure to work with in resolving my high interest credit card payments Paul's explained everything in detail step by step an about 1 hour! I feel so good to have this immense pressure of my shoulders! I would definitely recommend American Consumer...
ANDREW BORGE
All around great experience with American Consumer Credit! Jemimah was exceptional! She guided me through the entire process and made an uncertain anxious time so much easier! Her and her organization were able to secure me a great plan where I can actually pay my creditors...
Carol Elfring
This has been a lifesaver for my senior mother who was in debt way over her head. Joaquin has been incredibly helpful in this process, patiently explaining in terms she can understand. We are tremendously grateful for all of his help.
DENNIS WILLIAMS
The application process was smooth and straightforward, with clear guidance at every step. They took the time to understand my needs and provided me with a loan option that significantly lowered my interest rate and made my monthly payments more manageable.
sara c.
Naomi was truly the best at helping me identify a realistic solution to a problem.. She was reassuring and kind. A wealth of information and practical solutions, highly recommended her!
AnaMaria Montanez
Grateful for the knowledge, thoroughness, and understanding Carlton had during the service he provided. I was able to ask all my questions, he was empathetic and genuine with responses. He spent over two hours making sure I understood, he repeated any information needed for...
Tamara Smith
I had an amazing experience working with Maya at American Credit Counseling. She was incredibly helpful and patient throughout the entire process. Maya took the time to thoroughly understand my situation and worked diligently to help me resolve my issues with creditors. Her...
VT Renegade
Judy was a great help today. I have been in the program for some time and recently my wife suffered a stroke. I somehow had missed a payment for this month and made 2 loan payments in my vehicle instead. Judy made a suggestion on how to solve it for this month and it all...
Bonnie
I want to give Matt Richard's my credit counselor the highest praise and share my immense gratitude. He dedicated hours to answering all my questions and addressing every concern in detail. After years of frustration with creditors who refused to negotiate and nearly falling...
Carlyle Riche, Jr.
Savannah was wonderful! She was patient, kind, and knowledgeable. She made me feel comfortable throughout the process, especially considering how vulnerable talking about finances can be. Thank you, Savannah!
Eric Thompson
He was very pleasant to talk to and he wasn't selling me a sales pitch. That is one reason why I steered away from newing this program in the past. Richard was very clear in what your company had to offer. He explain everything very professionally to me.
Jacquelynn Logan
I started this program scared and unsure. ACCC made me feel safe and great. They have helped me walk through this difficult time and worked with me when it got rough. The customer service is outstanding with people who are understanding and supportive.
Hannah Belcher
Working with Eddie Garcia was wonderful - he took the time to keep me fully informed of all my options through the whole process. ACCC was able to offer instant relief to my financial concerns and put me on a path to a more stable financial future. I would highly recommend them!
Carolyn Burgess
I spoke with Isaiah at American Consumer Credit Counseling he was very helpful understanding listening to all my questions and concerns and answered all my questions so I fully understood what I needed. Isaiah was very supportive and I asked him a lot of questions helped me...
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