Rents, commuting costs, and everyday essentials across Duval County can make it tough to keep up with credit card payments. American Consumer Credit Counseling (ACCC) has helped consumers since 1991 with free, nonprofit credit counseling and affordable Debt Management Plans (DMPs) that simplify payments, lower interest, and speed up payoff.
According to LendingTree, Floridians carried $9,000 in average credit card debt in Q1 2025 up 10.6% year over year. A WalletHub analysis also shows Jacksonville households carrying notably high balances versus many U.S. cities, underscoring the need for structured payoff plans.
Why Jacksonville Residents Choose ACCC
For 30+ years, ACCC has guided people from financial stress to a practical plan. Jacksonville residents value our combination of national nonprofit credibility and personalized guidance tailored to Florida’s cost of living. When you connect with us, a certified counselor will:
- Review your income, expenses, and unsecured debts
- Identify realistic ways to free up cash flow
- Build a custom repayment plan you can stick to
What Sets ACCC Apart
- Free, confidential, no-obligation counseling
- We work directly with creditors to seek lower interest rates and manageable monthly payments via a DMP
- Certified credit counselors familiar with Florida consumer issues
- A BBB A+–rated, NFCC-accredited nonprofit
Jacksonville, FL – Frequently Asked Questions (FAQs)
Q: What is the average credit card debt in Florida?
A: As of Q1 2025, Florida’s average is $9,000, up 10.6% from Q1 2024 (Source: LendingTree). LendingTree
Q: Does ACCC offer credit counseling for Jacksonville residents?
A: Yes. We provide phone, online, and in-person counseling for residents of Jacksonville and communities across Florida.
Q: How does a Debt Management Plan (DMP) help?
A: A DMP combines multiple card payments into one, may reduce interest rates through creditor concessions, and helps you pay off faster—without taking out a new loan.
Q: Are in-person sessions available in Jacksonville?
A: Yes. In-person counseling is by appointment only. Call 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 Jacksonville, FL Address
50 N. Laura Street
Jacksonville, FL 32202
ACCC Hours – Jacksonville, FL (Eastern Time):
- Monday – Thursday: 9:00 AM – 10:30 PM ET
- Friday: 9:00 AM – 8:00 PM ET
- Saturday: 10:00 AM – 9:00 PM ET
- Sunday: Closed
In-person counseling is by appointment only. Please call 877-440-1773 to schedule. Holiday hours may vary.
Trusted by Florida Clients
“My experience was fantastic. My counselor was great at helping me understand how to improve my situation. He showed me all of my options and helped me figure out my best path moving forward. He was incredibly patient and very informative. I would recommend to everyone looking to better their lives…” – Client in Florida
