May 1, 2025
Managing Credit Debt as a Small Business Owner
Did you know that according to the, “2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey“, approximately 70% of small businesses in America are carrying some form of debt? Running a small business involves a myriad of responsibilities, from managing operations to satisfying customers. Amidst these tasks, maintaining financial health is crucial, particularly when it comes…
Read moreApr 30, 2025
Pay off Credit Card with Personal Loan? Yes or No?
According to NerdWallet’s 2024 survey conducted online by The Harris Poll only 19% of Americans do not use credit and millions of Americans struggle with unsecured credit card balances, often leading to long-term financial stress. One solution people consider is using a personal loan to pay off credit cards. But is it the best strategy to pay off credit card?…
Read moreApr 29, 2025
Ways to Make Extra Money to Pay Off Credit Cards
Struggling with credit card debt can be overwhelming, especially when high-interest rates make it difficult to see the light at the end of the tunnel. However, finding ways to make extra money can accelerate your debt repayment and bring you closer to financial freedom. Here are some practical and effective methods to generate additional income, helping you pay off your…
Read moreApr 23, 2025
How Much is Too Much Credit Card Debt?
Today credit cards have become an essential financial tool, offering convenience and the ability to make purchases without immediate cash on hand. However, with this convenience comes the risk of accumulating debt that can quickly spiral out of control. Understanding how much credit card debt is considered too much is crucial for maintaining financial stability and avoiding the pitfalls of…
Read moreApr 18, 2025
Affordable Easter Crafts for the Family
Easter is an opportunity for families to come together and engage in fun activities that spark imagination and foster connection. Crafting is an excellent way to celebrate the holiday, but trips to the craft store can add up. Here are some affordable Easter crafts that the whole family can enjoy, ensuring a festive and memorable holiday. 1. Egg Carton Chicks…
Read moreApr 16, 2025
Bloom Your Finances: Set Goals This Spring with WOOP
W.O.O.P. For Goal Setting: A Powerful Approach to Managing Debt and Building Financial Stability As we face a fluctuating economic landscape, one of the most pressing issues today is credit card debt, with interest rates averaging above 20%. This makes it even more essential to have an effective plan for paying down high-interest debt. At American Consumer Credit Counseling (ACCC),…
Read moreApr 14, 2025
Credit Cards Debt Relief
Credit card debt can be a huge burden on families and individuals. Many people rely on credit cards for everyday purchases, and sometimes it’s easy to spend more than planned. The end result can be a frightening mountain of debt that seems impossible to overcome. Fortunately, there are ways to achieve credit cards debt relief, and we’re here to help…
Read moreApr 11, 2025
What is Better: Credit Counseling or Debt Settlement?
Household debt has risen to $18.4 Trillion according to the Federal Reserve Bank of New York’s Household Debt and Credit Report. With more and more people faced with overwhelming debt, it can be challenging to know where to turn. Two common solutions that people consider are credit counseling and debt settlement. Both options aim to help manage and reduce debt,…
Read moreApr 9, 2025
How Does Credit Counseling Impact Credit Scores
Navigating financial challenges can feel overwhelming, especially when credit scores seem like a mysterious maze of numbers and consequences. If you’re struggling with credit card debt, credit counseling might be the lifeline you’ve been searching for. At American Consumer Credit Counseling (ACCC), we’re committed to helping you understand how a debt management program can actually be a strategic move towards…
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