By Cindy Schwalb, Web Editor May 4, 2009 The National Foundation for Credit Counseling (NFCC) and Association of Independent Consumer Credit Counseling Agencies (AICCCA) teamed up to help consumers find better debt repayment terms from credit card companies. And report success. The groups targeted the top ten creditors, seeking improvement on the standard and hardship debt management plans (DMPs). The new plans are designed to allow consumers to maintain a reasonable monthly budget, start an emergency savings, set affordable fixed monthly payments, and be out of debt within 60 months. Of course, some of these factors such as saving and following a budget are up to the consumer.Participating creditors include: American ExpressBank of AmericaCapital OneChase Card ServicesCitiDiscover Financial ServicesGE MoneyHSBC Card ServicesU.S. Bank Wells Fargo Card ServicesIf you have a troubled account with one of these banks, call and ask about the new repayment plans. If you need more help, reach out to the NFCC.