American Credit Card Solutions (ACCS) is a debt settlement company that encourages you to take a realistic look at your financial situation. They offer a free evaluation where an ACCS Debt Consultant reviews the many pitfalls of carrying large amounts of unsecured debt and explains the different options available to resolve it. As a result of the consultation with ACCS, most consumers conclude that continuing to make minimum payments to their creditors is a vicious cycle, with rarely a good outcome. ACCS offers an alternative solution by providing consumers with a program that will resolve their debt without having to manage multiple minimum monthly payments to creditors or filing for bankruptcy.

When a consumer decides to enroll with ACCS, they are making the strategic decision to allow their debts to go delinquent. By proving financial hardship, the company has the leverage it needs to negotiate money-saving settlements with each of their creditors. ACCS acknowledges that their debt resolution program is not the right fit for every situation, as not everyone is at a point where resolving their debt is a priority. It is important to note that a consumer does not necessarily need ACCS or any other debt settlement company to negotiate settlements with their creditors.

On the other hand, many consumers prefer to have an advocate in their corner when going through the daunting task of resolving thousands of dollars of debt. Like any business, the company charges a fee for its services but not until the program participant receives their first settlement. If you decide to request a free debt evaluation through ACCS, be sure to ask the representative about costs to you, so that you will know what to expect.