Inland Empire families often juggle high housing costs, rising utility bills, and everyday expenses, all of which can make credit card debt feel impossible to manage. American Consumer Credit Counseling (ACCC) has provided trusted nonprofit services since 1991, helping people in Riverside and across California find realistic paths out of debt.
According to LendingTree, the average credit card debt in California is $9,096 as of Q1 2025, a 10% increase from the year before. As per a WalletHub study, Riverside, CA, ranks among the top 10 cities with highest credit card debt in the country. In Riverside County, where spending beyond means seems like a constant financial battle, many residents are searching for a dependable way to lower interest charges and pay down balances faster. And this is where ACCC Debt Management Programs and Credit Counseling services can come in handy.
Why Riverside Residents Rely on ACCC
For more than three decades, ACCC has guided people through financial challenges with compassion and proven expertise. Riverside households turn to us not only for nationally recognized nonprofit support, but also for an approach that takes into account California’s unique cost-of-living pressures.
Our certified counselors will:
- Review your income, debts, and overall budget
- Identify opportunities to save and cut unnecessary costs
- Develop a personalized repayment plan designed to fit your financial goals and lifestyle
How Is American Consumer Credit Counseling Different?
- Free and confidential credit counseling with no obligation
- Partnerships with creditors to negotiate reduced interest rates and monthly payments
- Certified professionals with experience in California consumer finance
- Accredited nonprofit with BBB A+ rating and NFCC membership
Riverside, CA Frequently Asked Questions (FAQs)
Q:What is the average credit card debt in California?
A: As of Q1 2025, California residents carry an average of $9,096 in credit card debt (Source: LendingTree).
Q: Can Riverside residents receive credit counseling through ACCC?
A: Yes. We offer phone, online, and in-person counseling for Riverside residents and those across the state.
Q: How does a Debt Management Plan (DMP) help?
A: A DMP simplifies your repayment by combining bills into one monthly payment, potentially lowers interest rates, and can help you get out of debt sooner, without taking out new loans.
Q: Do you accept in-person appointments in Riverside?
A: Yes. In-person counseling is available at our Riverside office by appointment only. Please call us to schedule.
How can I connect with ACCC?
- Phone Counseling: Call 877-440-1773 to speak with a certified credit counselor
- Online Counseling: Complete our secure form and a counselor will reach out promptly
What happens when I call ACCC for the first time?
You will:
- Speak with a certified credit counselor
- Review your income, expenses, and financial priorities
- Receive a personalized action plan tailored to your situation
- Decide whether enrolling in a DMP is the right path forward
Hours and location:
ACCC Riverside Office
11801 Pierce Street, Ste 200
Riverside, CA 92505
Hours: Riverside, CA (Pacific Time):
- Monday – Thursday: 6:00 AM – 7:30 PM PT
- Friday: 6:00 AM – 5:00 PM PT
- Saturday: 7:00 AM – 6:00 PM PT
- Sunday: Closed
In-person counseling is by appointment only. Please call 877-440-1773 to schedule with a certified counselor.
Holiday hours may vary.
