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Learn More If you're planning to file for bankruptcy, the law requires that you complete a pre-bankruptcy counseling session with an approved credit counseling agency.

American Consumer Credit Counseling is an approved bankruptcy credit counseling agency, authorized by the US Trustee Program of the Department of Justice.

Examples of unsecured debt include: credit cards, department store cards, collection agencies, credit lines, and unsecured personal loans.

In these circumstances, debt consolidation may be helpful. There are two main debt consolidation options: debt consolidation by taking out a loan, and debt consolidation programs such as those offered by American Consumer Credit Counseling (ACCC) that do not require you to borrow.

One common approach to debt consolidation involves taking out a loan.

In addition to obtaining a bankruptcy certificate before your bankruptcy is discharged, you must also, complete a debtor education course, also known as post-bankruptcy debtor education. We provide online bankruptcy counseling, and can also give bankruptcy counseling over the phone.

You can complete most of the requirements of your bankruptcy certificate online.

The debt counseling solutions we provide offer our members long term financial success, as well as short term debt management programs and debt consolidation.

Learn More Our debt management program helps simplify your monthly unsecured debt obligations.

As part of our debt management program, our financial counseling specialists will assist you with how to consolidate debt.

Debt consolidation is an important step in lowering monthly payments to creditors and collection agencies.

Since 1991, we have been improving lives and providing solutions to people in need of financial help.

Call to speak with a certified credit counselor and receive a complimentary budget and debt consultation.

How does debt consolidation work when a loan is involved?