A structured repayment approach
A DMP can help organize payments on participating debts. ACCS will explain payment handling and your responsibilities before enrollment.
CREDIT CARD DEBT COUNSELING
A plan starts with
understanding your options.
When credit card payments are hard to manage, a counseling conversation can help you see the next step. Explore how a debt management plan works and whether it may fit your circumstances.
A conversation is a first step. A DMP recommendation depends on your circumstances.
Since 1988Community service at our core
Nonprofit counselingPeople first. Practical guidance.
A Massachusetts connectionMassachusetts first; other states subject to availability
UNDERSTAND YOUR OPTIONS
What is a debt management plan?
A DMP is a structured way to repay eligible debts. Counseling helps you understand how a plan would work, what it would cost, and whether the payments would fit your budget.
Understand possible terms
Some creditors may offer different terms through a DMP. Participation and any concessions depend on the creditor and your accounts; they are not guaranteed.
Look at the whole budget
A counselor can help assess repayment alongside essential living expenses. The goal is to understand your options, including when a DMP may not fit.
A repayment approach, rooted in counseling.
A DMP organizes repayment of eligible debts with participating creditors. It does not provide a new loan, erase debt, or guarantee lower interest. A counselor should explain your proposed payment, applicable fees, creditor terms, and account restrictions before you decide.
Learn what to expect from credit counseling →AN INFORMED DECISION
Could a DMP be right for you?
You may want to explore a DMP if credit card payments feel difficult to manage and you want to understand a structured repayment option.
A counselor will assess your situation. This page does not establish eligibility or promise a particular result.
Start with a counseling conversation →Know before you enroll
- A DMP is not a new consolidation loan or a promise to settle debt for less.
- It requires ongoing payments. Not all debts or creditors may participate.
- Participating credit accounts may need to close or have restrictions.
- Free counseling does not mean a DMP has no fees. Ask ACCS about applicable fees and terms before deciding.
SERVICE AVAILABILITY
Start a conversation. Confirm your options.
ACCS has Massachusetts roots and has served the community since 1988. We welcome inquiries from across Massachusetts, including Southeastern Massachusetts, and from consumers in other states where ACCS confirms authorization and service availability.
Outside Massachusetts? Contact ACCS to confirm whether services are available in your state.
Start where you are.
You don’t need to enter debt balances or financial documents on this page to begin a conversation.
Call 508-643-4445YOUR FIRST STEP
Let’s talk about
what comes next.
A counseling conversation can help you understand your options before deciding on a plan.
Call ACCS for Free Credit Counseling508-643-4445
Request a Free Counseling Consultation
Call ACCS to begin a conversation about your credit card payments, questions and next steps.
Call 508-643-4445Please do not send Social Security numbers, account numbers or financial documents through social media or ordinary email.
More contact information →A FEW COMMON QUESTIONS
Clarity before commitment.
Will a DMP reduce my interest rates or payments?
Creditors may offer different terms, but no reduction is guaranteed. ACCS will review the terms available for your accounts before you decide.
Is counseling free? What about DMP fees?
ACCS offers free credit counseling. Ask about any DMP fees and how they apply to your situation before enrolling.
Do I need to know if I qualify before calling?
No. Counseling is an opportunity to discuss options. Eligibility, affordability, creditor participation, and state availability must be assessed.
Can I contact ACCS from outside Massachusetts?
Yes, you may inquire. ACCS must confirm service availability in your state before offering a DMP.