Santa Clarita Valley families juggle higher housing costs, commuting expenses, and everyday prices that can make credit card balances climb fast. American Consumer Credit Counseling (ACCC) has supported people since 1991 with nonprofit credit counseling and affordable Debt Management Plans (DMPs) that bring structure and momentum to your payoff journey.
According to a WalletHub study, in Santa Clarita CA, (Where Valencia is a neighborhood and a former community ) the average household credit card debt was $21626. This is higher than the California average of $9,096 reported by LendingTree in Q1 of 2025. The state’s average is about a 10% year on year increase suggesting that credit card debt is an increasing financial challenge for consumers in Valencia CA as well as the whole of United States.
Why Valencia Residents Choose ACCC
For more than three decades, ACCC has helped people turn scattered bills into a practical path forward. Valencia residents appreciate our blend of national nonprofit credibility and tailored guidance for California’s cost-of-living realities. When you work with American Consumer Credit Counseling as a resident in Valencia. CA, a certified counselor will:
- Review income, expenses, and all unsecured debts
- Identify realistic ways to trim costs and free up cash flow
- Build a custom repayment plan you can stick to
Why American Consumer Credit Counseling?
- Free, confidential, no-obligation counseling
- We work with creditors to seek lower interest rates and more manageable monthly payments through a DMP
- Certified counselors experienced with California consumer challenges
- Nonprofit organization with BBB A+ rating and NFCC accreditation
Valencia, CA – Frequently Asked Questions (FAQs)
Q: What is the average credit card debt in Valencia, CA?
A: As of Q1 2025, Santa Clarita carry an average of $21,625 in credit card debt (Source: WalletHub).
Q: Does ACCC offer credit counseling for Valencia residents?
A: Yes. We provide phone, online, and in-person counseling for residents of Valencia and communities across California.
Q: How does a Debt Management Plan (DMP) help?
A: A DMP combines multiple card payments into one monthly payment, can reduce interest rates through creditor concessions, and helps you pay off faster—without taking out a new loan.
Q: Are in-person sessions with ACCC available in Valencia, CA?
A: Yes. In-person counseling is by appointment only. Call us 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.
Start Managing Your Debt with Confidence!What happens When I Call ACCC?
- Speak directly with a certified credit counselor
- Review your income, debts, and goals
- Receive a free no obligation financial counseling session
- Set up a Debt Management Plan (DMP) if it’s right for you
- Pay off your debt in most cases within five years
Hours and location:
ACCC Valencia Address:
25350 Magic Mountain Pkway
Suite 300
Valencia, CA 91355
ACCC Hours: Valencia, 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 Reviews, Valencia CA
“I highly recommend ACCC! The process is straight forward and they’re looking out for the consumers best interest. I recently spoke with an associate for assistance and he was more than helpful. Patiently answering all questions of concern and giving me a clear understanding of what to look forward to in the near future. Joining the debt management program was the best decision I’ve made for my credit and future. – ACCC Client in California”
