Living in Orange County has many advantages, but the high cost of housing, transportation, and everyday expenses can make it difficult to stay on top of credit card payments. American Consumer Credit Counseling (ACCC) has been supporting families and individuals since 1991 with nonprofit credit counseling services and affordable Debt Management Plans (DMPs) designed to relieve financial stress.
According to LendingTree, the average credit card debt in California is $9,096 as of Q1 2025, reflecting a 10% increase from the previous year. With interest rates rising and living costs in Southern California continuing to climb, many Orange households are searching for a structured way to take control of their finances.
Why Orange, CA Residents Work with ACCC
For more than three decades, ACCC has been a trusted partner for people working to eliminate debt. What makes our Orange office stand out is our ability to pair national experience with an understanding of the unique pressures faced by California residents.
Our counselors don’t just give advice, they analyze your budget, negotiate with creditors, and create a practical plan you can stick with. We’ve helped thousands of people:
- Reduce the burden of high interest rates
- Replace multiple card bills with a single monthly payment
- Build confidence and regain financial stability
The ACCC Difference
- Confidential, no-cost initial counseling
- Partnerships with creditors to seek lower rates and manageable repayment schedules
- Experienced, certified credit counselors familiar with California’s cost-of-living challenges
- A nonprofit mission, backed by a BBB A+ rating and NFCC accreditation
Orange, CA Frequently Asked Questions (FAQs)
Q:What is the average credit card debt in California?
A: As of Q1 2025, the average balance for California residents is $9,096 in credit card debt (Source: LendingTree).
Q: Can I get credit counseling if I live in Orange, CA?
A: Yes. ACCC serves Orange residents with phone, online, and in-person counseling options.
Q: What does a Debt Management Plan (DMP) actually do?
A: A DMP is designed to simplify repayment, potentially lower your interest rates, and help you pay off your debt in a reasonable timeframe without needing to take out new loans.
Q: Do you offer in-person sessions at the Orange office?
A: Yes. Appointments are available at our Orange office during the week. All in-person counseling is by appointment only.
How can I connect with ACCC?
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Phone Counseling: Call 877-440-1773 to speak with a certified credit counselor
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Online Counseling: Complete our secure form and a counselor will reach out promptly
What Happens During My First Call?
When you call ACCC, you can expect to:
- 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, get you started right away on your debt free journey
Hours and location:
ACCC Orange Address:
1100 Town & Country Rd
Suite 1250
Orange, CA 92868
Hours: Orange, 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
“Working with their team has been helpful to really see all the debt and income laid out. It is only the beginning so im excited to see how the process moves forward. Very educational and patient counseling session though..” – Client in California
