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Then look no further than American Consumer Credit Counseling (ACCC).

With more than 22 years of experience, accreditation with the Better Business Bureau with an A rating, and thousands of satisfied customers, we are a proven leader in the industry.

In many cases, the amount you pay every month will be less than if you paid to each bill separately.

Often your counselor can even reduce your interest rates and eliminate extra fees, like over limit and late charges, through the debt consolidation plan.

“Most of my clients have credit card debt,” she said.

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Many free financial resources are available through non-profit debt consolidation companies, such as personal financial workbooks, budgeting worksheets, and debt calculators.

Unsecured debts are personal debts for which there is no physical collateral, such as credit card debts or medical debts.

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