latest nhpb_banner 1__compressed2



Help Near Me

Immediate Financial Assistance

Rental Assistance

Free Food Pantries

Utility Bill Help

Free Stuff

Work From Home Jobs

Public and Government Assistance

Disability Benefits

Section 8 Housing and Apartments

Senior Help

Free Money

Free Grants

Free Clothes

Charity Assistance

Church Assistance

Community Action Agency

Free Job Training

Help with Medical Bills

Free Healthcare

Free Dental Clinics

Car Payment Assistance

Debt Relief

How to Save Money

Search the Website


Free California credit and debt counseling.

Non-profit credit counseling agencies in California can help individuals pay their debts or bills, provide free budgeting help, and stop or prevent a foreclosure among other services. Dozens of organizations offer a wide variety of low cost or free credit as well as housing counseling services. They also help California families with their car loan payments or credit card bills.

The non-profit, free credit as well as debt counseling agencies coordinate resources for California families of all income levels, ages, and races, with many organizations offering support in Spanish and other languages. Some of the services are offered for free based on the applicant’s income. Get a listing of non-profit organizations to call below by city and county.

Not only can they help consumers deal with credit card and medical debts or bills, but most of the California non-profit credit agencies are also HUD-approved housing counselors, meaning they can assist homeowners with foreclosure prevention. They help people who are having difficulty with paying their mortgage, or assist client’s with rebuilding their credit. They can also review the bankruptcy process when needed.

When you call or stop by one of the locations below, either a housing or credit counselor will work with you on a confidential basis. They can offer free or low cost debt management, refinancing options, information on debt consolidation, counseling, and other services such as mediation. The programs are also effective at dealing with unpaid loans, whether for cars, payday companies, or other lenders.

Counselors and specialists from these non-profit organizations in California will review your overall financial situation, including income, expenses, debt levels, and assets. They will develop a financial action plan for your needs. They also show low income clients how to invest and save money on a budget. As indicated, many sites can also provide information on mortgage assistance and foreclosure prevention tactics and programs.

Abacus Credit Counseling
Address - 15760 Ventura Boulevard, Suite 1240
Encino, California 91436
Call 800-516-3834 to make an appointment or speak to a counselor.




Access Counseling, Inc.
633 W. 5th Street, Suite 26001
Los Angeles, California 90071
Telephone number - 800-205-9297
This is just one of the credit counseling agencies in Los Angeles. Everything from car loans to medical or credit card debt assistance is offered. Consumers have several other locations available to them.

Consumer Credit Counselors of Kern County
Address of the office: 5300 Lennox Avenue, Suite 200
Bakersfield, California 93309
Dial - 800-272-2482
Low income families in this hard hit part of California can get help with their debts and housing needs. The non-profit counselors will review debt management plans (DMP), assess hardship programs, and negotiate with credit card companies and other groups.

Consumer Credit Counselors of the Twin Cities
Address - 718-B Bridge Street
Yuba City, California 95991
Phone number - 530-674-9729

CCCS of Ventura County, Inc. / SurePath Financial Solutions
Address is 80 N. Wood Road  Suite 200
Camarillo, CA 93010

Multiple offices are run by the Ventura County credit/housing non-profit counseling agency. Other locations are listed below.

  • 1221 State Street  Suite 4-A
    Santa Barbara, CA 93101
    Telephone number - 800-540-2227
  • 910 E. Stowell Suites 101
    Santa Maria, California 93454
    Telephone number - 1-800-540-2227

Consumer Credit Counseling Service of Orange County
Address - 1920 Old Tustin Avenue
Santa Ana, CA 92832
This non-profit may offer the greatest number of assistance programs. Counselors can help you navigate the various debt reduction programs and tactics out there, such as DMPs, consolidation programs, or settlement. Specialists can advise on other options as well, such as pre-bankruptcy filing advice. Much of the advice is offered for free or at minimal costs.





Other offices of this credit counseling agency are located in Orange County California at

  • 2450 E. Lincoln  EDD Building
    Anaheim, CA 92806
  • Address is 695 Madison Way Brea Community Center
    Brea, California 92821
    Telephone number - 888-289-8230
  • 18430 Brookhurst St., Suite 202C
    Fountain Valley, CA 92708
  • 23046 Avenida de la Carlota, Suite 600
    Laguna Hills, CA 92653
    Main phone: 888-289-8230
  • 23832 Rockfield Blvd., Suite 270, inside South Orange County Family Resour
    Lake Forest, CA 92630
  • 1920 Old Tustin Avenue
    Santa Ana, California 92705

Consumer Credit Counseling Service San Diego
There are several non-profit agencies that cover southern California, and specifically San Diego County. While a focus has historically been on offering free mortgage assistance and foreclosure help, a number of other services are offered too. Learn about debt reduction and settlement plans, fee waivers, and credit card hardship programs. Those are just a few examples of the resources available. Click here for more details on free credit counseling programs in San Diego.

Los Angeles County
Several non-profit agencies focus on residents of the county. They also offer assistance in multiple languages, including Spanish. Get help in paying off credit card debts or car loans. Or learn about mortgage assistance programs, budgeting, and filing bankruptcy. Many free or low cost services are offered. Find more Los Angeles credit counseling agencies.

Consumer Credit USA, Inc.
11711 Woodruff Avenue, Suite 100
Downey, California 90241
Call the center at - 562-299-1001, a Project of the Tides Center.
Call this agency for low cost foreclosure counseling. Clients can gain access to various debt management programs and services, including credit card, medical and hospital bills. They also specialize in helping California consumers file for bankruptcy.
1014 Torney Avenue
San Francisco, California 94129
A second location is located at.

  • 633 W. 5th Street
    Suite 26001
    Los Angeles, CA 90071
    Telephone number - 800-205-9297





CCCS of Kern & Tulare Counties
Address of the non-profit organization is - 718 W. Center Street Suite C
Visalia, CA  93291
A focus is also on helping clients improve their credit scores for the national reporting bureaus, and workshops are often used for this.

CCCS of Ventura County, Inc. / SurePath Financial Solutions
Main offcie is at 80 North Wood Road, Suite 200
Camarillo, CA 93010
Phone: 877-615-7873
Assistance is for the Inland areas of California. The credit counseling agency has specialists that focus on medical bills (including overcharging), counselors deal with predatory lenders, and car repossessions. Another focus is on enrolling clients into budgeting workshops, including immigrants to the region.

  • Multiple offices are located at:
    1190 S. Bascom Avenue Suite 208
    San Jose, California  95128
  • 23 East Beach Street  Suite 213
    Watsonville, California  95076
    Dial - 800-540-2227

Consumer Credit Counseling Service of San Francisco
Location of main office is - 595 Market  Street  Suite 1500
San Francisco, California 94105
Other locations are located at

  • 70 Stony Point Road  Suite C
    Santa Rosa, CA 94108
    Phone number of the agency is - 800-777-7526. Thousands of San Francisco families get housing, budgeting, and debt assistance from this non-profit every year.

Consumer Credit Counseling Service of the North Coast
Office is - 1309 11th Street, Suite 104
Arcata, CA 95521
Counselors can help individuals deal with lenders such as Bank of America, Wells Fargo, and some of the nation’s other leading banks. Work with this non-profit agency in reducing fees and interest rates, and dealing with the complicated debt reduction rules and regulations in California.





Springboard Nonprofit Consumer Credit Management, Inc.
4351 Latham Street
Riverside, CA 92501
951-781-0114, 888-425-3453
Riverside California has been hit hard by the mortgage crisis. Call them for details on all of the mortgage and foreclosure assistance programs available, including HARAP. Counselors will also work with individuals on improving their finances over the long term, and will help them create and follow a budget. They will also assist with eliminating debts that just can’t be repaid or loans that are in default.

1st Choice Credit Counseling & Financial Education a/k/a DBSM, Inc.
2049 Marco Drive
Camarillo, CA 93010
Phone number of the agency is - 877-692-5669 a d/b/a of Pacific Rim Institute for Development and Education, Inc.
6230 Wilshire Blvd., Suite 1763
Los Angeles, California 90048
Telephone number - 800-845-7171

Consumer Credit Counselors of the Twin Cities
Address - 718-B Bridge Street
Yuba City, California 95991
Call 530-674-9729 or dial the center at 800-388-2227

MG Financial Counseling Inc.
Stop by the agency at - 2171 W. 240th Street, #202
Lomita, CA 90717
Telephone number - 800-306-6432
A second office of this non-profit is at 2548 W. 235th Street, Torrance, CA 90505. Call 800-306-6432. Everyone from immigrants to the elderly, single moms and others can get free debt help and credit counseling services from the non-profit.

Advantage Debt Management of America
While they do not have an office in California, this non-profit can provide phone consultations and you can work with a remote credit counselor.

American Consumer Credit Counseling, Inc.

MoneySharp Credit Counseling Inc.
Toll free number is 866-200-6825
A phone based counseling agency. Some advice is given for free.

Dollar Learning Foundation, Inc.
Location is 21550 Oxnard Street 3rd Floor #001
Woodland Hills, California 91367
Toll free - 877-366-6070







Money Management International, Inc.
6080 Center Drive 6th Floor
Los Angeles, CA 90045
English and Spanish services are offered. Staff can review how to apply for benefits, assist with bankruptcy filings, and enter clients into low cost Debt Management Plans for credit card bills. In person, phone, and online help is given. Other services, some of which are free, are available in California around medical debts or errors on doctor bills. One big need is for healthcare costs. As an example of a resource, learn about how to settle medical debts.

The non-profit has other sites in the region. Four other sites of MMI - Money Management International are at 1949 Avenida Del Oro, Oceanside, CA 92056 as well as 3517 Camino del Rio South, San Diego, California  92108. The phone numbers are the same. Or try MMi at 6080 Center Drive, Los Angeles, California 90045 and also 16800 Devonshire Street, Granada Hills, CA 91344.


By Jon McNamara

Contact NeedHelpPayingBills
















Contact Us

About Us

Financial Literacy Blog

Privacy policy

Visit Facebook page

Search Site