Description

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 management, reviewing and understanding credit reports, identity theft, bankruptcy, home ownership, and foreclosure prevention.

Ways to Contact

To speak with a counselor, call 1.800.777.7526. If the phone options aren’t obvious, press “0” to speak directly to an operator. Generally, phone lines are open Monday–Thursday 7:30 AM–6 PM, Friday 7:30 AM–5 PM, Saturday 9 AM–2 PM (Pacific Time).

Process

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.

Notes

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.