Credit counseling Los Angeles ACCC — American Consumer Credit Counseling (ACCC) is a nonprofit credit counseling organization that operates a Los Angeles office in the West Fifth Street tower at 633 West Fifth Street, Floors 26 & 28, Los Angeles, CA 90071. ACCC markets budget coaching, credit counseling, debt management plans, bankruptcy counseling certificates where applicable, and financial education aimed at consumers struggling with unsecured debt—primarily credit cards. Counselors discuss hardship, interest rates, and consolidation alternatives; any formal debt management plan requires a separate written agreement with fee disclosures governed by applicable state and federal rules.
Regulatory context
- Nonprofit counseling standards: reputable agencies maintain HUD-style rigor for housing sessions where offered and comply with debt-education certification requirements—verify counselor credentials for your program.
- Debt management plans: monthly fees and creditor concessions vary; compare the proposal to direct negotiation before enrolling.
- Bankruptcy counseling: pre-filing and pre-discharge sessions must come from approved providers if you file—confirm course codes with your attorney.
Business context
- Founded: organizational materials cite operations since 1991 with nationwide phone coverage.
- Los Angeles footprint: the downtown office emphasizes appointment-based in-person counseling alongside remote intake—call ahead for building security.
- Service mix: combines call-center scale with local branding for California households navigating high housing costs.
Languages & accessibility
Phone counseling defaults to English; ask whether Spanish or other languages are available for your cohort. High-rise offices typically offer ADA-compliant elevators—confirm visitor accessibility needs when scheduling.
Location & contact
- Address: 633 W 5th St, 26th & 28th floor, Los Angeles, CA 90071, United States
- Phone: +1 877-440-1773
- Website: consumercredit.com
Last verified (desk review): May 2026 — Address and appointment policy matched to ACCC Los Angeles location page; national phone from consumercredit.com intake funnels; nonprofit scope summarized from ACCC marketing pages.
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Reviews: weigh counselor responsiveness and clarity of fee schedules—nonprofit status does not guarantee every plan is cheaper than self-pay; document outcomes month by month.
Not financial or investment advice. Verify APR, fees, prepayment penalties, and license numbers on your own documents and on regulator sites before committing.
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