Consilidating credit card debt

This can be painful at first, but when spending habits change, money management becomes easier.

A debt management program through a non-profit credit counseling agency can help you consolidate your credit and give you resources to learn more about achieving a financially secure future.

What are the benefits to this approach to debt consolidation, beyond simplifying your monthly payment requirements?

"I've got too many debts to too many credit card companies and stores," consumers commonly lament.

One of the worst things about falling deeply into debt is dealing with multiple creditors.

There's too many accounts to keep track of, a stack of bills on your desk each month, and if you fall behind, a steady drumbeat of phone messages from creditors who want to be paid.

Then, while you're making monthly payments on the loan, you start to use those zero-balance credit cards again to charge new purchases. A new loan to consolidate credit card debt you just accumulated may not be possible, because the more debt you have has a negative impact on your credit rating.

Enter information about your current debts, payments, balances, and interest rates to see your results.

You send a single monthly payment to ACCC, and we distribute it to your creditors.

You can also track your progress in paying off your balances at any time through our secure members-only web portal.

"Is there a way to consolidate my bills into one simple payment?

" Taking out a loan to pay off unsecured credit balances is an option that many people consider.

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