Free credit counseling services in Orange County California
If you need assistance with car loans or programs to reduce or eliminate debt, then non-profit Orange County credit and housing counselors may be able to help. Most of the consultations and help provided is free for lower income families while moderate - high income clients will get assistance based on a sliding fee scale. The counselors help borrowers with credit card or medical debt, provide credit repair services, bankruptcy advice and other needs. Find details on credit counseling and agencies near you in Orange County CA.
They provide a number of financial services, even help with budgeting and investing too. The agencies also provide consumer debt management plans, help borrowers negotiate better rates with creditors, and arrange free or low cost foreclosure counseling as well as arranging credit card company deferred payment plans. Any need for reducing debt, loans, and getting back on track is available. Call one of the Orange County California agencies for confidential, yet personalized budget plans or advice.
Counselors in Orange County CA that help borrowers
MMI - Money Management International
They have multiple offices in the state and provide remote service to Orange County - including phone calls, email, and online chat options. 866-889-9347
This non-profit may offer the greatest number of free or affordable assistance programs. Counselors can help you navigate the various debt reduction programs and tactics out there, such as DMPs, loan consolidation programs, or settlement. They also help people in Orange County CA that are struggling with auto loans. Specialists can advise on other options as well, such as pre-bankruptcy filing advice.
Legal Aid SoCal - Orange County
Primary address is 2101 North Tustin Avenue, Santa Ana, California, 92705. Phone - 800-834-5001
Can also support homeowners in the region as well as people that can’t pay their debt. Receive legal advice, representation, and even loan modification assistance or access to a lawyer to help settle debt. The resources are for eligible borrowers who can no longer afford to make their monthly mortgage payments.
South Orange County Family Resource Center
22481 Aspan St, Lake Forest, CA 92630. Call (949) 364-0500
Provides materials and financial education to those in need. Offers affordable or free legal advice to seniors as well as low-income families. Learn about reverse mortgages, budgeting off of pensions, and in general financial literacy.
SparkPoint OC - from the United Way
Location is 7101 Wyoming St, Westminster, CA 92683. Call (714) 278-4679
The non-profit helps people get back on track financially. Programs offered range from information on improving FICO credit scores to debt reduction services, financial coaching, budgeting workshops and more. More United Way Sparkpoint info is here https://www.unitedwayoc.org/our-work/united-for-financial-security/sparkpoint-oc/.
Fair Housing Council of Orange County
2021 E 4th St, Santa Ana, CA 92705. Call 714-569-0823
The main program for the area is known as the Home Ownership Preservation Collaborative. An organization that partners with non-profits and government organizations to support people who are struggling with their mortgage loan or taxes. The non-profit also offers debt management, confidential credit counseling, credit report review and financial education. Or sign up for programs that can help with reducing medical and/or credit card debts as well as a mortgage payment.
Credit.org
Phone consultation are available. Call 1-800-431-8157
Orange County residents that are struggling to pay bills and their debt can get help. The non-profit will help people identify their expenses and budget. Counselors provide support so clients can get out of credit card debt, they help reduce fees or interest rates and offer other solutions - including tips on debt settlement and other relief programs.
Costa Mesa Housing & Community Redevelopment
77 Fair Drive, Costa Mesa, CA, 92626. Call 714-754-5635
Provides housing information for low income persons in Orange County. Information from the counselors includes subsidized housing options, home rehabilitation, low interest loans, and grants.
Consumer Credit Counseling Service of Orange County
Address is 1820 E Garry Ave 220, Santa Ana, CA 92705. Call (949) 955-3245
One of the main non-profit credit counseling agencies for the region. Among other services, they offer credit counseling services in areas of bankruptcy, debt reduction, and help people that are faced with identity theft. They provide consumers with free workshops and phone or in person counseling. Counselors will also help clients work with creditors and debt collectors through coaching. Housing services can also provides education on becoming a homeowner despite credit challenges.
- Other resources offered, include, but are not limited to helping clients with understanding credit reports and scores. There is also free or income based bankruptcy counseling and education, first time homebuyers seminar, money basics, as well as classes on balancing personal finances along with fundamentals of investing.
Civic Center Barrio Housing Corporation
1277 S Lyon St, Santa Ana, CA 92705. Telephone number is 714-835-0406
Offers services to current and potential home owners. Programs include homebuyer education, lender prequalification, down payment assistance, and financial literacy, etc. Resources are for potential homebuyers who earn less than 80% of the area median income with a special focus on those earning 60% or less of area median total household income.
Orange County Community Services
Address is 1300 S Grand Ave, Santa Ana, CA 92705. Dial (714) 567-7420 for hours
First time homebuyers can get mortgage assistance if you have low and moderate incomes. Another service offers first time homebuyers information and services before, during, and even after the purchase of a new or used home.
Community Action Partnership of Orange County
The location is 11870 Monarch St, Garden Grove, CA 92841. Call (714) 897-6670
Free financial literacy workshops are held. More details on help from Orange County community action.
Neighborhood Housing Services of Orange County
1304 W Katella Ave, Orange, CA 92867. Main number - 714-490-1250
Offers comprehensive homebuyer education and free or low cost individual counseling to potential homebuyers. Organizes pre-puchase education workshops and other sessions to families receiving down payment assistance. Counselors also offer face-to-face or online sessions tailored to address your individual home ownership requirements with also classes on building credit, applying for bank loans and more.
Saddleback Church
Location is 1 Saddleback Pkwy, Lake Forest, CA 92630. Call (949) 609-8000 or (949) 609-8224
Individual coaching and group sessions are held. People can get help with setting financial goals, tips on paying down debt (credit card, car loans, etc.) and other financial support. They also help people understand their credit score and FICO reports.
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