Tired of Credit Card Debt Holding You Back?
Find Out If Debt Consolidation Is Right For You—Get a Free Consultation Today
If you’re struggling to keep up with monthly payments, only making minimum payments, or feeling overwhelmed by high interest rates, you’re not alone. Since 1994, American Credit Foundation has helped thousands take control of their finances—without needing a loan.
Do any of these sound familiar?
Monthly payments are higher than you’re comfortable with.
You’re on time with bills, but your balances never seem to shrink.
You’re considering borrowing to consolidate debts.
You usually pay only the minimum on credit cards.
An unexpected expense has made it impossible to catch up.
Your financial situation feels unmanageable.
If you answered yes, our debt management program may be able to help.
How Do You Know If You Need Credit Card Debt Consolidation?
- Are your monthly payments higher than your comfort level?
- Are you on-time with your bills, but tired of watching your balances go nowhere because of high interest rates?
- Are you thinking about borrowing money to consolidate your debts?
- Do you usually pay only the minimums on your credit cards each month?
- Have you fallen behind on your payments due to an emergency or unexpected expense, and find it impossible to catch up?
- Does it seem like your financial situation is becoming unmanageable?
If you answered yes to any of the above questions, Our debt management program may help you so give us a call or fill out the form to the right today!
What a FREE, Professional Credit Counseling Session Can Do For You:
- One Simple Payment: Combine your credit card debts into a single monthly payment—no loan required.
- Lower Payments: Cut your payments by up to 50%*
- Faster Debt Relief: Become debt-free in one-third the time*
- Lower Interest Rates: 95% of clients see significant interest reductions.
- Safe & Legal: A proven solution trusted by clients nationwide for over 25 years.
Our consultations are 100% free, confidential, and secure—and there’s never any obligation.
“It feels so wonderful to have the burden of dealing with bill collectors taken off our shoulders. We’ve learned to use and manage our money wisely.”
– Beryl and Beverly Young
“My experience with American Credit has been a pleasant one. I highly recommend this program to anyone in need.”
– Jeanmarie Durando
“I am so STOKED to finally be out from under this. I couldn’t have done it without you. My credit score has already increased over 40 points.”
– K. Stewart
What to Expect in a Credit Counseling Session
Curious about how a credit counseling session actually works? Here’s how the process typically unfolds—think of it like a friendly GPS for your finances.
- 1. Dig Into the Details:
First up, your counselor will take a close look at your financial picture. That means gathering info on your debts, your monthly income (yes, including those side gigs and the random rebate checks from Amazon), and all your expenses from rent to Netflix. - 2. Create a Game Plan:
Once there’s a clear snapshot, it’s time to build a budget that makes sense for your lifestyle. The aim? To help you stay afloat each month while still tackling those pesky credit card balances. - 3. Simplify Your Payments:
Depending on your situation, you might be a good fit for a debt management plan. That means you’d make just one monthly payment—like setting all your apps to auto-update instead of handling them one by one. - 4. Negotiate for You:
If there’s room to save, the counselor can even reach out to your creditors (think Chase, Discover, or Capital One) to see if it’s possible to lower your interest rates or reduce late fees. The goal: more money in your pocket and a much faster finish line.
It’s all designed to help you finally get that sigh-of-relief moment—just like I did!
Why Negotiate With Credit Card Companies?
Honestly, if you’re juggling multiple credit cards, negotiating with your lenders might feel intimidating—but it can be a total game-changer. By working directly with your credit card companies, you could unlock:
- Reduced interest rates: Lower rates mean more of your payment actually goes toward chipping away at your balance, not just barely covering interest.
- Waived fees: Those pesky late and over-limit charges? Sometimes they can be reduced or removed, giving you some much-needed breathing room.
- A faster payoff path: With better terms and less bleeding out in fees, you just might reach that glorious zero balance a whole lot sooner.
- One simple payment: Many people roll their debts into one monthly payment—so no more calendar gymnastics or lost-in-the-mail payments.
Trust me, every little bit helps. Getting on a friendlier footing with your creditors can make the light at the end of the tunnel actually feel closer.
Resources to Stay Debt-Free
But what about keeping debt at bay in the future?
We’re all about giving you the tools for long-term success—not just a quick fix. That’s why you’ll get access to a solid mix of financial education and practical resources:
- Online Workshops & Webinars: Learn from experts at places like NFCC and Smart About Money—topics range from budgeting basics to understanding your credit report.
- Self-Paced Learning: Browse through interactive courses, tip sheets, and videos. Whether you’re curious about emergency funds or want tips on spending less at the grocery store, there’s something for everyone.
- Personal Financial Coaching: Get tailored advice and action plans. Many non-profits also offer one-on-one sessions, virtually or in-person.
- Budgeting Tools: Download easy-to-use apps and planners developed by trusted names like Mint or NerdWallet to keep your finances organized.
Stick with these habits, revisit resources as life changes, and you’ll be well on your way to a debt-free future—this time, for good!
Why Affordable Fees Matter
Worried about paying high fees when you’re already feeling the pinch? That’s the last thing anyone digging out of debt needs. By keeping program fees affordable—and even waiving them for folks facing real financial hardship—we help ensure that anyone can access help, no matter their situation.
This means your money can go toward actually reducing your debt (not just toward service charges), and you won’t be sidelined if a tough spot hits. Think of it as getting a little extra breathing room right when you need it most—so every payment feels like genuine progress, not just treading water.
Ready to Get Started?
Call 866-352-1745 or schedule your free consultation now — slots fill quickly, so don’t wait to take control!
The American Credit Foundation team has helped people across the country achieve their financial goals for nearly three decades. We’re here to help you too.
American Credit Foundation team has helped people across the country achieve their financial goals for nearly three decades. We’re here to help you too.