American Consumer Credit Counseling in Bakersfield, CA can help you if you are struggling with credit card debt. Between rising rents, transportation costs, and everyday essentials, credit card balances can stack up quickly for residents in Bakersfield. American Consumer Credit Counseling (ACCC) has helped consumers since 1991 with free credit counseling and affordable Debt Management Plans (DMPs) that bring structure, reduce interest, and put you on a realistic path to payoff.
According to LendingTree, the average credit card debt in California is $9,096 as of Q1 2025, roughly a 10% increase from the prior year. A July 2025 WalletHub report ranked Bakersfield at #72 among cities where credit card delinquency is increasing the most. Coupled with increasing inflation, for consumers in Bakersfield CA, this is not a great place to be. This is where American Consumer Credit Counseling can play a crucial role with their non profit credit counseling services as well as their affordable debt management plans to help Bakersfield, CA resident pay off their credit card debt.
Why Bakersfield Residents Choose ACCC
For 30+ years, ACCC has helped people turn scattered bills into a straightforward plan. Bakersfield residents trust us because we combine nonprofit credibility with practical, California-aware guidance.
When you connect with us, a certified counselor will:
- Review your income, expenses, and all unsecured debts in our initial no-obligation credit counseling session.
- Identify ways to free up cash flow without guesswork by crafting a workable budget with you
- Build a custom repayment plan that fits your goals and timeline if you choose to enroll in our debt management program to help you pay off credit card debts faster
The ACCC Advantage
- Free, confidential, no-obligation counseling
- We work with creditors to seek lower interest rates and more manageable monthly payments through a DMP
- Certified counselors experienced with California consumer issues
- A BBB A+ rated, NFCC-accredited nonprofit
Bakersfield, CA — Frequently Asked Questions (FAQs)
Q: What is the average credit card debt in California?
A: As of Q1 2025, Californians carry an average of $9,096 in credit card debt (Source: LendingTree).
Q: Does ACCC offer credit counseling for Bakersfield residents?
A: Yes. We provide phone, online, and in-person counseling for Bakersfield and communities across California.
Q: How does a Debt Management Plan (DMP) help?
A: A DMP consolidates multiple card payments into one monthly payment, may reduce interest rates through creditor concessions, and can shorten your payoff timeline without taking on a new loan.
Q: Are in-person sessions available in Bakersfield?
A: Yes. In-person counseling is by appointment only. Call us to schedule with a certified counselor.
How Can I Get In Touch With ACCC?
Phone Counseling: Speak with a certified credit counselor on 877-440-1773
Online Counseling: Get Debt Help today . Start by filling in the form and a certified counselor will reach out to you.
What happens during my first call?
You’ll speak with a certified counselor, review your budget and debts, receive a personalized action plan, and decide whether enrolling in a DMP is the right next step.
Get Debt Help in Bakersfield, CA!Hours and location:
ACCC Bakersfield Address:
4900 California Ave
Tower B, 2nd Floor
Bakersfield, CA 93309
ACCC Hours – Bakersfield, 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.
Holiday hours may vary.
ACCC Reviews
“This is a great program, it takes a huge target off of my back, and makes me feel like I’m not alone swimming in all of this debt I need to pay. Today, Michael was amazing at figuring out the best solutions for me on the spot. I can breathe a little better today…thank you!” – Client in California
