Between Inland Empire commuting costs, rising rents, and everyday essentials, it’s easy for credit card balances to snowball. American Consumer Credit Counseling (ACCC) has helped individuals and families nationwide since 1991 with nonprofit credit counseling and affordable Debt Management Plans (DMPs) that bring structure and relief.
According to LendingTree, the average credit card debt in California is $9,096 (Q1 2025), which is about a 10% increase year over year. For many San Bernardino households, higher interest charges make catching up feel out of reach; a clear plan can change that. According to the US Census Bureau the median household income in San Bernadino California is averaging around $82.2K (2019-2023) and is about 14.7% less than the California average. This suggests that households maybe relying on credit cards more than usual. American Consumer Credit Counseling is committed to providing credit card debt help to residents in San Bernadino, CA with their carefully thought through consumer credit counseling as well as the personalized low cost debt management programs.
Why San Bernardino Residents Choose ACCC
For more than three decades, ACCC has guided people through financial setbacks with practical strategies and compassionate support. San Bernardino residents value our blend of national nonprofit credibility and an approach attuned to California’s cost-of-living pressures.
When you connect with us, our certified credit counselors will:
- Review your income, expenses, and debts in detail
- Spot savings opportunities and budgeting tweaks that add up
- Build a custom repayment plan you can stick with
The ACCC Advantage
- Free, confidential, no-obligation counseling
- Partnerships with creditors to seek lower interest rates and manageable monthly payments via a DMP
- Certified counselors experienced with California consumer issues
- Nonprofit mission, BBB A+ rating, and NFCC accreditation
San Bernardino, 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 serve San Bernardino residents?
A: Yes. We offer phone, online, and in-person counseling for San Bernardino and communities across California.
Q: How can a Debt Management Plan (DMP) help?
A: A DMP can consolidate multiple card bills into one payment, help reduce interest rates through creditor concessions, and shorten your payoff timeline—without taking out a new loan.
Q: Are in-person sessions available in San Bernardino?
A: Yes. In-person counseling is by appointment only. Call us to schedule time 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 during my first call?
You’ll speak with a certified counselor, review your income, debts, and goals, receive a personalized action plan, and decide whether enrolling in a DMP is the right next step.
Get Debt Help in San Bernadino, CA
Hours and location:
ACCC San Bernadino Address:
473 E Carnegie Drive
suite 200
San Bernadino
CA 92408
Hours: San Bernadino, 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.
California Clients Trust ACCC Expertise
“This non-profit is AWESOME! It’s worth calling them, trust me. Bailey, the person I talked to specifically, was amazing as well. He walked me through the process of opening a debt management program easily and nicely (again, thank you and good luck to you and your wife in completing school). Very much deserved 5 stars.” – Client in California
