Irvine is one of the most expensive places to live in Orange County, with high housing prices, childcare costs, and everyday expenses. That makes it easy for credit card balances to grow and harder to pay them off. American Consumer Credit Counseling (ACCC) has been helping consumers since 1991 with free credit counseling and affordable Debt Management Plans (DMPs) designed to bring structure and relief while helping consumers pay off high credit card balances.
According to LendingTree, the average credit card debt in California reached $9,096 in Q1 2025, about a 10% year-over-year increase. A WalletHub study shows that Irvine residents carry some of the highest household credit card balances in Orange County underscoring the need for trusted, effective debt management solutions.
Why Should Irvine, CA Residents Choose ACCC?
For more than 30 years, ACCC has guided people through financial stress and helped them rebuild their financial confidence. Irvine residents choose ACCC because we offer:
- Personalized credit counseling that examines your income, expenses, and debts
- A clear action plan to reduce interest rates and consolidate payments
- Ongoing support so you stay on track until your debt is gone
Is ACCC a Reliable Nonprofit for Debt Management & Credit Counseling?
Yes, American Consumer Credit Counseling is a reliable nonprofit organization for credit counseling and debt management needs of consumers in Irvine, CA and through out the United States, because we offer:
- Free, confidential counseling sessions with no obligation
- We work directly with creditors to seek lower interest rates and reduced monthly payments
- Certified credit counselors with deep knowledge of California’s financial landscape
- A BBB A+ rated, NFCC-accredited nonprofit serving consumers nationwide
Irvine, 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: Do Irvine residents qualify for ACCC’s credit counseling services?
A: Yes. We provide phone, online, and in-person counseling for Irvine residents and households across California.
Q: How can a Debt Management Plan (DMP) help me?
A: A DMP combines multiple card payments into a single monthly payment, can secure lower interest rates from creditors, and helps you pay off debt faster — without taking on new loans.
Q: Are in-person sessions available in Irvine?
A: Yes. Our Irvine office offers in-person credit counseling by appointment only. Call ahead 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 should I expect during my first call with ACCC?
You will:
- Speak with a certified credit counselor
- Review your budget, debts, and financial goals
- Receive a customized action plan
- Decide whether a DMP is the right solution for you
Hours and location:
ACCC Irvine Address:
17875 Von Karmen Ave
Suite 150 & 250
Irvine, CA 92614
Hours – Irvine, 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 , California
“The customer service here is top notch! I would highly recommend this company. My credit score actually went up after I enlisted their help. It has definitely taken a lot of weight off of my shoulders when it comes to debt. They have made it very easy” – California Client
