Balance (formerly Consumer Credit Counseling Service of San Francisco), is a free consumer credit counseling service based in San Francisco, but available to people nationwide.

Balance helps with: budgeting, debt managemetn, reviewing and understanding credit reports, identity theft, bankruptcy, home ownership, and foreclosure prevention.

Ways to Contact

Call 800.777.7526. If the phone options aren’t obvious, press “0” to speak directly to an operator.


Call to access services. After you call in, the organization will tell you next steps.

Most services are free, and the few with charges have income-based fee waivers.


Collect key information in advance if possible: case numbers, names of key people, court dates and deadlines, documents related to the issue, and any questions you have.