Consumer credit counseling, debt management, and financial education services provided by non-profit credit counseling companies designed to establish equilibrium between consumers, creditors, and member agencies for the successful rehabilitation of debt-challenged families and individuals.

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The AICCCA mission is to promote quality and professional delivery of credit counseling services. AICCCA independent non-profit member agencies assist millions of consumers annually with counseling and debt management services. Find out more about joining the AICCCA.

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Press Releases

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1/10/12 AICCCA 19th Mid-Winter Conference to Address Critical Personal Financial Issues

12/27/11 AICCCA Offers Help For Red Tuesday Sufferers

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11/17/11 AICCCA Says Consumers Need a Plan to Avoid Red Tuesday^TM

11/1/11 AICCCA Warns Consumers to Beware of Red Tuesday^TM

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AICCCA Press Release

AICCCA Offers Help For Red Tuesday Sufferers

FAIRFAX, VA - December 27, 2011 — The season of giving that kicked off with Black Friday may have resulted in a Red Tuesday for those who did not plan their holiday expenses or simply spent too much. For those consumers facing a Red Tuesday, the Association of Independent Consumer Credit Counseling Agencies says that with patience and persistence they can take control of their financial situation.

"Overspending is common during the holiday season and consumers might not always plan for the increased spending," said Dave Jones, president, AICCCA. "For those consumers who overspent using credit, a dose of financial reality will be coming in their mailboxes."

For those carrying holiday debt into 2012, AICCCA offers these tips:

Buy only the basics. Create a bare bones spending plan to use until your debt is paid. Luxuries and treats will need to wait, but you will start to make powerful decisions about how your money is spent. If you stick to the plan and use the savings from watching your expenses to pay off your debt, your Red Tuesday will be behind you quickly.

Bring in some extra cash. If the money you save from your bare bones plan is not enough, a second job or overtime may be in your future. If this is not possible, consider a garage sale or selling something via an online auction site. Earmark all extra money toward your debt.

Call in a professional. Holiday debt is not a unique problem and skilled professionals are ready to help. If you need assistance, take advantage of the services of a qualified, non-profit credit counseling service. An AICCCA member office can help get your financial life back on track. Call 866-703-8787 or visit www.aiccca.org to find an office.

Think outside the box. Every present doesn't have to come in a gift-wrapped package. Coupons for services like dog walking, car washes or spring cleaning may be the perfect gift for someone on your list and will cost you little but time in the New Year. Best of all, there will be no lines to stand in, crowds to fight or new debt to worry about in 2012.

Founded in 1993, Association of Independent Consumer Credit Counseling Agencies (AICCCA) is a national membership organization, established to promote quality and consistent delivery of credit counseling services. AICCCA and its members are focused on improved creditor relations, efficient processes and advanced technology to best serve clients and creditors. AICCCA members are independent nonprofit agencies that advocate for debtors, counsel millions of consumers annually nationwide and provide debt management services to consumers with excessive unsecured debt. For more information or to contact an AICCCA member office call 866-703-TRUSTAICCCA (866-703-8787) or visit www.aiccca.org.

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