Free credit counseling agencies in San Diego County.
Find information on credit and debt counseling services offered by San Diego based (or online options) non-profit credit counseling agencies. A number of organizations provide struggling people with free programs that can help them pay their bills and debts (medical, credit card, etc.), repair their FICO scores, file for bankruptcy, and more. Find a credit counselor near you in San Diego that is non-profit associated and offers free services.
The non-profit credit counselors in San Diego can provide some or all of the following resources to low-income individuals or families, with advice in Spanish and other languages as needed. Get access to debt repayment programs, financial counseling, credit card hardship plans, foreclosure prevention programs, and even help with car loans. You may be able to apply for a low cost debt repayment plan with your creditors, or help negotiating and entering into a loan modification. The leading non-profits in San Diego and the county to call for help are below, with in person and/or phone consultations offered.
Where in the San Diego area to get free credit or debt counseling
American Consumer Credit Counseling
350 10th Ave Ste 1000, San Diego, CA 92101. Call (877) 440-1773
This is a national non-profit organization that operates locally too. Among other resources, the organization offers money management, consumer education, and debt repayment plans with creditors.
Credit.org (formerly Springboard)
2140 Hoover Ave, National City, CA 91950. Call (619) 830-4802
There are multiple types of debt management plans arranged for clients, as needed. They help people reduce or eliminate credit card bills as well as medical debts. Another focus is on helping people with no credit history in San Diego start one or even assist with loans. Other services are arranged by the non-profit as well.
SBCS - South Bay Community Services
Address: 430 F Street, Chula Vista, CA 91910. The main number is (619) 420-3620
Programs range from Wellness to Child Development and others. These services also touch on budgeting, debt reduction and basic financial literacy, all of which is free in San Diego and offered by the non-profit.
Navicore Solutions
Main phone number - (800) 992-4557
Free online and phone advice is given.
San Diego Home Loan Counseling and Education Center
3180 University Ave, San Diego, California, 92104. Phone number - (619) 624-2330
A non-profit, government certified credit counseling organization. They focus more on mortgage and home loan issues, such as predatory lending and foreclosure prevention in San Diego County. This also touches on overall debt relief too though. Also learn about reverse mortgage or home buying programs. The office is also HUD approved to help homeowners.
Community Housing Works
Main office - 3111 Camino Del Rio N #800, San Diego, CA 92108
Dial (619) 282-6647 for information or to make an appointment.
Receive one on one attention, either in person or face to face, with a housing specialist from this government certified agency.
Money Management International San Diego
Address: 3111 Camino Del Rio North, San Diego, CA 92108. Call 866-232-9080
Call this national non-profit credit counseling agency for one or more of the following services, some of which may be free to income qualified individuals. Get help in applying for auto loan refis or credit card hardship programs. Clients can also learn about and sign up for debt management plans, and if you think you need to file for bankruptcy, get information on the process as well as pros and cons to doing this. Other free debt relief counseling is for the low-income in San Diego County.
Greenpath
Dial 844-335-2499
A national non-profit that helps people get out of debt, improve their finances, and refi loans (auto, credit cards, title loans, etc.). DMP and settlement programs are arranged too.
National Asian American Coalition
9080 Black Mountain Road, San Diego, California 92126. Primary phone number - 858-537-1500
While a focus is on the Asian community and immigrants in the area, anyone can use the non-profit credit counseling services. The staff help people avoid predatory loans/lenders, assist with credit repair services and in general offer various debt relief programs for struggling borrowers.
San Diego Urban League
4305 University Ave #360, San Diego, CA 92105. Phone number - 619-266-6265 or (619) 263-3115
Offers more advice on budgeting and referrals to various financial programs, including debt and housing counseling services.
San Diego Financial Literacy Center
All services are free. They partner with credit unions, HUD, the government and others to provide free financial literacy workshops. They covers budgeting, saving money, best ways to pay down debt and so much more.
- The main office is at 1835A S. Centre City Pkwy, #508, Escondido, CA 92025. Call 858-810-7007
- Veterans in San Diego and active military members can try 649 W. Mission Ave., Escondido, CA 92025. Call 760-740-5582 or another location at 401 Mile of Cars Way, National City, CA 91950.
Neighborhood House Association
Location - 841 South 41st Street, San Diego, California 92113-1801. Main telephone - 619-263-7761
More focuses on housing and foreclosure needs, such as reverse mortgages for seniors, first time homebuyers loans, and predatory lending and mortgages.
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