Skip to Content


The Golden State has an enormous economy, 12th largest in the world if U.S. states were compared to other countries. Making up nearly 13 percent of the country’s GDP, California’s major sectors include tourism, government, and agriculture. Home to a thriving agricultural industry and Silicon Valley, California has been able to diversify its exports and become a central part of the country’s economy.

Unfortunately, the state has had its fair share of financial problems and high unemployment rates. Residents carry an average of $4,937 worth of credit card debt, and may be in need of debt assistance.

Through ACCC, residents of California can receive free accredited credit counseling and debt management advice. There is also a debt management plan offered to qualified individuals. There is no obligation to the debt counseling offered by ACCC.

Residents of California can call our toll free number, or apply online through our online application.

Testimonials from our counseling clients from California

“If I had not enrolled, being of low income, I do not know how I'd have kept up with the bills. Your calling the creditors and lowering the payments has helped me tremendously. I am back on track.”
-Tom B. 

“Since signing up for the debt management program, I have received two confirmations of creditors accepting the program. I am already feeling less stressed.”
-Lucinda E.


1) The average California resident holds $4,937 worth of 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