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San Francisco

Since the 1990s, California has had its share of financial problems, including unfulfilled pension promises, unemployment funds owing to the federal government, and expensive public works projects. According to a task force, California’s debt ranges from $167 billion to $335 billion, and its residents are not immune to the debt’s effects.

San Francisco is a beautiful city with picturesque Bay views and mild, pleasant weather. But this weather, culture, and quality of life all come at a high price. In San Francisco, cost of living has affected the budgets of all of its residents. Cost of living in San Francisco is 51.9 percent higher than the national average and 15.8 percent greater than the California average. The median rent for a one-bedroom-apartment in the Potrero Hill neighborhood is $3,186, while the average resident’s income, after taxes, is $4,272. Residents may need the help of a credit advisor or a debt management program.

American Consumer Credit Counseling is a nonprofit organization that offers consumer credit counseling services, debt management, and financial management education to consumers nationwide. With branches in various parts of the country, as well as certification to do business in all 50 states, ACCC aims to help San Francisco residents manage their credit card debt and gain financial peace of mind.

Office Hours: Office hours vary by location. For our local branches, please be sure to call ahead to schedule an appointment


1) San Francisco-Oakland-San Jose, CA residents have an average of $6,533 in credit card debt
2) Get a free credit counseling session
3) Pay off your debt in most cases within five years

American Consumer Credit Counseling (ACCC) is a non-profit organization providing free credit counseling, low-cost debt management services and homebuyer education to first time house buyers as well as those re-entering the housing market. Available on desktops, laptops and mobile devices, ACCC's online home buyer course provides help for first time buyers and the certification required to close on certain loans. ACCC's online home buyers course provides everything buyers need to know about purchasing a home – from working with realtors to preparing for closing. In addition to a first home buyers course, ACCC also offers counseling for consumers considering reverse mortgage solutions, with information about qualifying for a reverse mortgage and answers to questions like "How do reverse mortgages work?"

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member

ACCC San Francisco:

71 Stevenson Street San Francisco, CA 94105
Phone: 415-655-6731