Combine the debt into one particular payment

Spend your debt off generally in most instances within five years

Produce a budget that is workable it is possible to live with

About United States Credit Rating Counseling (ACCC):

United states Consumer Credit Counseling is a nonprofit credit guidance agency that will help customers take close control of these monetary life through credit guidance, debt consolidation reduction, and education that is financial. Since 1991, we’ve been enhancing life and supplying methods to individuals looking for economic assistance.

Our Debt Programs

How do you are helped by us handle your credit? Our programs will allow you to take over of the economic life.

Credit Guidance

We are going to allow you to figure out the easiest method to approach your finances, and supply you the most useful credit guidance solution choices feasible.

Debt Management

Our financial obligation administration system helps simplify your month-to-month debt that is unsecured, combine your repayments, and disburse funds to creditors in your stead.

Bankruptcy Guidance

We are able to give you the mandated pre-filing bankruptcy counseling session to allow both you and your lawyer to help make well-informed decisions.

Housing Counseling

ACCC’s housing counselors can be found to help you in all respects of the housing requirements. We offer reverse home loan counseling, homebuyer training and official official official certification, and foreclosure counseling.

Student Loan Counseling

You can be helped by us explore your choices it doesn’t matter how much your debt or your loan status.

Debt Negotiation

We provide free credit guidance sessions with skillfully certified counselors to find the many path that is advantageous of debt.

Debt Consolidation Reduction

With this debt consolidation reduction plan, it is possible to mix many, if you don’t all your credit card debt and then make a unitary payment.

As Featured On


  • «we had been therefore happy to find it simple to speak with my therapist about my financial obligation issue. He had been beneficial in aiding me look for a spending plan i really could make use of and by way of him, I became in a position to reduce my rate of interest therefore I could pay off my financial obligation.»
  • «ACCC supplied me personally with this specific plan of ways to get away from financial obligation, and in addition taught me just how to remain out of financial obligation. If We have any questions, ACCC’s staff is definitely here to offer me personally the responses. ACCC’s Debt Management Program assisted me a great deal.»
  • «Thank you for assisting me remain away from collections and also make progress toward paying down my financial obligation. Every person we spoke with was extremely made and helpful the procedure simple. They explained and re-explained once I required it. We have suggested ACCC as a reference to individuals I’m sure.»
  • «Thank one to both you and your group for helping me personally get out of financial obligation. We felt like I became drowning with debt and after talking to your representatives, I happened to be relieved and felt such as for instance a fat had been lifted. They managed to get easy and addressed me with respect and have now always been super friendly. I will be grateful for the service!»

Budgeting Tricks And Tips

A spending plan could be the foundation of accountable planning that is financial. It shows how much cash you have actually and where it is being spent. Make use of our put together helpful resources, guidelines, and tools to assist you realize and create a effective spending plan.

Understanding Credit

Credit is really a way that is convenient buy things, but understanding how to control and keep maintaining good credit can be extremely challenging. Have a look at our find informative articles that can help you discover exactly about keeping good credit.

Calculators to simply help handle your cash

Utilize ACCC’s calculators that are financial allow you to better track and spending plan your earnings and costs that will help you better handle your hard earned money.

Simple tips to get ready for your retirement

In your golden years? It’s essential so you are prepared to lead a financially healthy life that you are knowledgeable about your financial situation. Get our list to assist you along with your preparations.

United states Consumer Credit Counseling (ACCC) provides non-profit credit guidance, economic training, debt settlement consolidation and financial obligation decrease solutions for customers nationwide. We provide free credit guidance to greatly help people and families learn to lower personal credit card debt and just how to remove financial obligation completely. Instead of high priced personal debt consolidation programs for settling credit debt, our financial obligation administration programs help customers pay back debts and manage credit debt more quickly by consolidating re payments. We additionally provide credit card debt negotiation services in lowering finance fees and interest levels. And our economic training solutions reveal customer how exactly to handle cash more efficiently and exactly how to get rid of credit debt more quickly – often in 5 years or less.