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, student loans, home ownership, and foreclosure prevention.

Ways to Contact

To speak with a counselor, call 1.888.456.2227. 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 – 6:00 PM, Friday 7:30 AM – 5:00 PM, Saturday 9 AM – 2 PM (PST).


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.