Balancing credit card bills while covering everyday expenses in Chula Vista can be overwhelming. American Consumer Credit Counseling (ACCC) has supported individuals and families nationwide since 1991 with free credit counseling sessions and affordable Debt Management Plans (DMPs). Our services are available across California — including here in Chula Vista.
According to LendingTree, the average credit card debt in California is $9,096 as of Q1 2025, a 10% increase from the previous year. Also, according to a WalletHub study, “Chula Vista, CA, is the city with the second-highest credit card debt per household. The average household credit card debt in the city is $20,837. That adds up to a total of around $1.8 billion for Chula Vista’s population.” The financial challenges faced by Chula Vista residents puts them in greater need for credit card debt help and ACCC, certified credit counselors in Chula Vista are ready to help.
Why Chula Vista Residents Turn to ACCC
For more than 30 years, ACCC has helped people overcome debt with proven strategies and compassionate support. Chula Vista residents appreciate that we bring national nonprofit credibility paired with an understanding of California’s financial challenges.
When you work with ACCC, our certified credit counselors will:
- Review your income, debts, and monthly budget
- Identify areas where savings are possible
- Create a personalized debt management plan designed to fit your financials
What Sets ACCC Apart
- Free, no-obligation counseling sessions
- Direct work with creditors to lower interest rates and reduce monthly payments
- Certified professionals experienced in California consumer finance issues
- A nonprofit mission, recognized with a BBB A+ rating and NFCC accreditation
Chula Vista, CA Frequently Asked Questions (FAQs)
Q: What is the average credit card debt in California?
A: As of Q1 2025, California residents hold an average of $9,096 in credit card debt (Source: LendingTree).
Q: Does ACCC provide credit counseling in Chula Vista, CA?
A: Yes. We offer phone, online, and in-person counseling for Chula Vista residents and others throughout California.
Q: What are the benefits of a Debt Management Plan (DMP)?
A: A DMP can streamline multiple payments into one monthly amount, help you pay off credit card debt faster, and may secure lower interest rates without requiring new loans.
Q: Are in-person counseling sessions available in Chula Vista?
A: Yes. Our Chula Vista office provides in-person sessions by appointment only. Please call us to schedule with a certified counselor.
How Do I Contact ACCC?
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By phone: Call 877-440-1773
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Online: Get debt help today by submitting our short form and a counselor will reach out
What happens when I first call ACCC?
- Talk with a certified credit counselor
- Review your income, debts, and financial goals and a comprehensive budget
- Explore a personalized action plan and see if a debt management program enrollment is right for you
- If enrolled in our debt management program, we will get you started right away on your debt free journey
Hours and location:
ACCC Chula Vista Address:
333 H St Suite 5000
Chula Vista, CA 91910
Hours – Chula Vista, 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 a session with a certified counselor.
Holiday hours may vary.
Trusted by Clients Nationwide
“I am working with ACCC with 3 accounts, when I started the process it was a bit scary and not sure if what they told me would be true. I pay my bill on time and did not want to mess that up, just needed relief with the super high interest rates that keep me in debt and hard to make any progress, everything was being eaten by the interest. I have work with multiple agents they ALL have been super patience, courteous and clear in the program process and what to expect. As I continue working with ACCC,I continue to receive guidance and support with my questions and concerns. Thank you ACCC for being there for me to help me through my debt freedom…” – Client in California
