
Our calculator is simple to use to compare your debt relief options:
| $0 | Pay Monthly Minimum Credit Card Payments* | Credit Counseling | Debt Settlement |
| Interest Rate | 19% | Variable** | - |
| Monthly Payment | $0 | $0 | $0 |
| Interest Paid | $0 | $0 | - |
| Fees | - | $0 | $0*** |
| Amount of Debt Owed | $0 | $0 | $0 |
| Months to Pay Off | Months | 60 Months | Months |
| Your Total Cost | $0 | $0 | $0**** |
This calculator was based on certain assumptions. The results are an estimate only based on the data entered. Numbers can also be rounded. More accurate information could be available to you directly from the creditor.
*Minimum payments have been computed based on the percentage entered in the table for monthly payments and based on the average interest rate inputted.
**Credit Counseling interest rate is set to labeled as Variable as interest rates can vary depending on the creditors willingness to reduce interest. We have fixed this rate at a default of 15% based on the industry average.
***Fees include 25% of the assumed savings. This does not include the ONE TIME (up front) representation fee. This does not take into consideration any additional funds that may be needed, which will result in an adjusted program length.
****Typical Debt Settlement Plan: ACI’s average settlement percentage of the enrollment balance is approximately 50%, and this includes all creditor's interest, fees and penalties.
Contact ACI to speak with a debt specialist now