Between rising rents near the waterfront, transportation costs, and everyday expenses, it’s easy for credit card balances to snowball in Long Beach. American Consumer Credit Counseling (ACCC) has helped consumers since 1991 with free, nonprofit credit counseling and affordable Debt Management Plans (DMPs) designed to bring structure, reduce interest, and speed up payoff.
According to LendingTree, the average credit card debt in California reached $9,096 in Q1 2025, roughly a 10% increase from the prior year. For many Long Beach households, higher interest charges make catching up harder without a clear plan.
Why Long Beach Residents Choose ACCC
For more than three decades, ACCC has guided people from financial stress to a practical path forward. Long Beach residents value our mix of national nonprofit credibility and personalized guidance that accounts for California’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
The ACCC Difference
- 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 experienced with California consumer issues
- A BBB A+ rated, NFCC-accredited nonprofit
Long Beach, 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 Long Beach residents?
A: Yes. We provide phone, online, and in-person counseling for residents of Long Beach and communities across California.
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 Long Beach?
A: Yes. In-person counseling is by appointment only. Call 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 When I Call ACCC?
- Speak directly with a certified credit counselor
- Review your income, debts, and goals
- Receive a free, no-obligation counseling session
- Set up a Debt Management Plan (DMP) if it’s right for you
- In many cases, pay off debt faster than on your own
Hours and location:
ACCC Long Beach Address:
145 W Broadway
Long Beach, CA 90802
ACCC Hours – Long Beach, 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 Client Review:
“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
