Find Help in California
187 government-validated organizations serving California — housing counselors, credit counselors, debtor education providers, and legal aid offices.
Why California Residents Need Help
California shows mixed signals — credit card delinquency at 13.2% (#12 nationally) and total debt per capita of $88K stand out above national averages. With $88K in debt per capita, the 187 verified organizations below can help residents navigate these financial pressures.
California's State Distress Index score is 59.8 (Elevated), ranking #8 of 51 jurisdictions.
65 of California's 82 HUD-approved housing counselors offer foreclosure and default counseling. 51 agencies serve in Spanish, with 24 non-English languages available across all agencies. 16 offer reverse mortgage counseling.
16 of the 44 DOJ-approved credit counselors serving California offer in-person sessions, and 39 offer online counseling. For the post-filing debtor education course, 12 of 50 providers offer in-person classes.
Housing Counselors (82)
HUD-approved agencies providing free foreclosure prevention counseling, mortgage assistance, and financial guidance.
Hayward — 22320 Foothill Blvd Ste 200 510-674-9227
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHomeless/Displacement Counseling +4 more
Languages: English, Spanish
Lake Forest — 23201 Lake Center Dr Ste 203 949-859-9255
Financial/Budget CounselingFinancial/Budget WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop
Languages: English, Spanish
SAN FRANCISCO — 1167 Mission Street, 4th Floor 415-928-5910-6
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education Workshop +4 more
Languages: Cantonese, CHI, English, Vietnamese
Walnut Creek — 2950 Buskirk Ave 800-777-7526
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Languages: Cantonese, CHI, English, Other, Russian, Spanish
Concord — 1655 Grant St 800-777-7526
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +5 more
San Francisco — 3543 18th St 800-777-7526
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +5 more
Santa Rosa — 3033 Cleveland Ave 800-777-7526
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +5 more
San Francisco — 5172 3rd St 888-456-2227
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +9 more
Languages: CHI, English, Russian, Spanish
Riverside — 4164 Brockton Ave 951-683-5193
Default/Foreclosure CounselingFinancial/Budget WorkshopHomeless/Displacement CounselingPre-Purchase Counseling +3 more
CENTRO FAMILIA ESPERANZA
Simi Valley — 1720 E Los Angeles Ave Ste 216 805-813-8751
Default/Foreclosure CounselingFinancial/Budget CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +2 more
Indio — 45701 Monroe St Ste G 760-347-3157
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +2 more
Languages: English, Spanish
COMMUNITY HOUSING COUNCIL OF FRESNO
Fresno — 2560 W Shaw Ln Ste 101 559-221-6919
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
Richmond — 1535 Fred Jackson Way Ste A 510-412-9290
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHome Improvement/Rehab Counseling +4 more
Languages: English, Spanish
Visalia — 312 NW 3rd Ave 559-732-4194
Fair Housing Pre-Purchase Education WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop
Riverside — 1825 Chicago Ave 951-414-2454
Default/Foreclosure CounselingFinancial/Budget WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +2 more
Languages: English, Other, Spanish
National City — 2140 Hoover Ave 619-830-4802
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +3 more
Languages: English, Other, Spanish
Riverside — 1825 Chicago Ave 951-414-2454
Default/Foreclosure CounselingFinancial/Budget WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +2 more
Languages: English, Other, Spanish
Los Angeles — 2917 E 1st St Ste 101 323-859-8050
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
Hayward — 22551 2nd St Ste 200 510-581-9380
Pre-Purchase CounselingPre-Purchase Homebuyer Education WorkshopRental Housing CounselingRHW
Languages: English, Spanish
Santa Ana — 206 W 4th St Ste 425 714-361-4139
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education Workshop +2 more
San Rafael — 851 Irwin St 415-457-5025
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFair Housing Pre-Purchase Education WorkshopPre-Purchase Counseling +1 more
Languages: English, Spanish
Riverside — 3933 Mission Inn Ave 951-682-6581
Default/Foreclosure CounselingFair Housing Pre-Purchase Education WorkshopHomeless/Displacement CounselingPre-Purchase Counseling +2 more
MORENO VALLEY — 23890 Allessandro Blvd Suite A-1 951-653-8314
Default/Foreclosure CounselingFair Housing Pre-Purchase Education WorkshopHomeless/Displacement CounselingPre-Purchase Counseling +2 more
Languages: CHI, English, Spanish
Palm Springs — 190 W Amado Rd 760-864-1541
Default/Foreclosure CounselingFair Housing Pre-Purchase Education WorkshopHomeless/Displacement CounselingPre-Purchase Counseling +2 more
Languages: English, Spanish
Long Beach — 3605 Long Beach Blvd 562-989-1206
Rental Housing CounselingRHW
Languages: Arabic, ASL, Cambodian, Cantonese, CHI, CRE, CZE, English, Farsi, French, German, Hindi, Hmong, Indonesian, Italian, Korean, Other, Polish, Portuguese, Russian, Spanish, Swahili, Turkish, Ukrainian, Vietnamese
FAITH AND COMMUNITY EMPOWERMENT FORMERLY KOREAN CHURCHES FOR COMMUNITY DEVELOPMENT
Los Angeles — 3435 Wilshire Blvd Ste 350 213-985-1500
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +1 more
Fresno — 1940 N Fresno St 559-487-1500
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +9 more
Sacramento — 2331 Alhambra Blvd 916-286-8652
Financial/Budget WorkshopHomeless/Displacement CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +2 more
Languages: English, Spanish
Irvine — 2525 Main St 866-217-0543
Default/Foreclosure CounselingFinancial/Budget CounselingHomeless/Displacement CounselingPre-Purchase Counseling +1 more
Languages: English, Spanish
Oakland — 2619 Broadway 669-758-4869
Financial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase WorkshopPre-Lease/Pre-Purchase Workshop +2 more
Languages: English, Spanish
San Jose — 1608 Las Plumas Ave 510-803-3362
Financial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +1 more
Languages: English, Spanish
Bellflower — 8739 Artesia Blvd 310-323-4663
Financial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +1 more
Languages: English, Spanish
HABITAT FOR HUMANITY, STANISLAUS COUNTY
Modesto — 2260 Tenaya Dr 209-575-4585
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Los Angeles — 3655 S Grand Ave 213-375-4663
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopFair Housing Pre-Purchase Education Workshop +4 more
Languages: English, Spanish
Santa Ana — 801 W Civic Center Dr Ste 200 714-204-2314
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more
Languages: Arabic, English, Spanish, Vietnamese
INLAND EMPIRE RESOURCE CENTER
San Bernardino — 325 W Hospitality Ln 909-887-8700
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +6 more
Languages: English, Spanish
Ontario — 3175 Sedona Ct Ste D 800-321-0911
Default/Foreclosure CounselingPre-Purchase CounselingPre-Purchase Homebuyer Education WorkshopRental Housing Counseling +1 more
Languages: English, Spanish
KOREAN COMMUNITY SERVICES
Buena Park — 7212 Orangethorpe Ave Ste 8 714-449-1125
Financial/Budget WorkshopHomeless/Displacement CounselingRental Housing CounselingRHW
LOS ANGELES — 900 Crenshaw Blvd 323-937-3718
Financial/Budget CounselingFinancial/Budget WorkshopRental Housing CounselingRHW
Languages: English, Korean
Los Angeles — 3926 Wilshire Blvd Ste 200 213-381-2862
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +3 more
Languages: English, Korean, Spanish
Santa Ana — 515 Cabrillo Park Dr 909-866-2792
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHomeless/Displacement Counseling +2 more
Languages: English, Spanish
San Bernardino — 1329 N H St 909-866-2792
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +9 more
Languages: English, Spanish
San Francisco — 2301 Mission St 415-282-3334
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
Languages: English, Spanish
Oakland — 1901 Harrison St Ste 1100 866-232-9080
Default/Foreclosure CounselingFinancial/Budget CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +2 more
Languages: English, Spanish
San Diego — 3111 Camino Del Rio N Ste 400 866-232-9080
Default/Foreclosure CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +1 more
Languages: English, Spanish
Los Angeles — 6080 Center Dr Fl 6 866-232-9080
Default/Foreclosure CounselingFinancial/Budget CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +2 more
Languages: English, Spanish
Montebello — 1619 Paramount Blvd 323-722-3955
Default/Foreclosure CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop
Languages: English, Spanish
Oxnard — 2231 Sturgis Rd Unit A 805-273-7800
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFair Housing Pre-Purchase Education WorkshopNon-Delinquency Post-Purchase Workshop +3 more
Languages: English, Spanish
OAKLAND — 7677 OakPort Street, Suite 1030, 10th Fl 510-268-9792
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +7 more
Languages: CRE, English, Spanish
San Diego — 1111 6th Ave 866-472-4557
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopPre-Purchase Counseling +1 more
Languages: English, Spanish
San Bernardino — 1845 Business Center Dr Ste 120 909-884-6891
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopHomeless/Displacement Counseling +4 more
Languages: English, Spanish
Rancho Cucamonga — 9551 Pittsburgh Ave 909-988-5979
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingHome Improvement/Rehab Counseling +3 more
Sacramento — 2411 Alhambra Blvd 916-452-5356
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +5 more
Languages: English, Other, Spanish
Los Angeles — 303 Loma Dr 213-483-2060
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingPre-Purchase Counseling +1 more
Languages: English, Spanish
Orange — 1855 W Katella Ave Ste 340 714-490-1250
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +5 more
Languages: English, Spanish, Vietnamese
Oakland — 7677 Oakport St Ste 510 510-268-9792
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +6 more
Languages: English, Spanish
PALMDALE — 520 W. Palmdale Blvd, Suite J 661-526-4013
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +7 more
Languages: English, Spanish
Los Angeles — 4602 Crenshaw Blvd Ste 2A 323-299-4067
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopHome Improvement/Rehab Counseling +6 more
Languages: English, Spanish
MORENO VALLEY — 23945 Sunnymead Blvd 951-399-4538
Default/Foreclosure CounselingHome Improvement/Rehab CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +4 more
Victorville — 14318 California Ave 760-254-6181
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopHome Improvement/Rehab CounselingHomeless/Displacement Counseling +5 more
Hawthorne — 11633 Hawthorne Blvd Ste 100 310-412-2600-1385
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFair Housing Pre-Purchase Education Workshop +3 more
Languages: English, Spanish
OAKLAND — 3801-3805 Broadway 510-652-6622
Default/Foreclosure CounselingFinancial/Budget CounselingFair Housing Pre-Purchase Education WorkshopNon-Delinquency Post-Purchase Workshop +3 more
Languages: English, Spanish
Sacramento — 3336 Bradshaw Rd Ste 100 425-892-6222-1385
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFair Housing Pre-Purchase Education Workshop +5 more
Languages: English, Spanish
Upland — 205 N 2nd Ave 402-970-6222
Languages: English, Spanish
South Gate — 8710 Garfield Ave 424-373-0854
Default/Foreclosure CounselingFinancial/Budget CounselingNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +1 more
Languages: English, Spanish
ORANGE COUNTY COMMUNITY HOUSING CORPORATION
Santa Ana — 501 N Golden Circle Dr Ste 200 714-558-8161
Resolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +2 more
Languages: English, Spanish
Santa Ana — 2021 E 4th St 714-569-0823
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFair Housing Pre-Purchase Education WorkshopPre-Purchase Counseling +3 more
Languages: English, Spanish
PROJECT SENTINEL
Santa Clara — 1490 El Camino Real 408-470-3730
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingNon-Delinquency Post-Purchase Workshop +3 more
Richmond — 3220 Blume Dr Ste 198 510-237-6459-1601
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +1 more
San Francisco — 4439 3rd St 415-822-1022
Default/Foreclosure CounselingFinancial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase Workshop +4 more
San Francisco — 1800 Market St 415-865-5555
Financial/Budget CounselingFinancial/Budget WorkshopNon-Delinquency Post-Purchase WorkshopPre-Purchase Counseling +3 more
Languages: CHI, English, Spanish
San Jose — 991 W Hedding St 408-287-9710
Fair Housing Pre-Purchase Education WorkshopHomeless/Displacement CounselingRental Housing CounselingRHW
Languages: Cantonese, CHI, English, Korean, Spanish, Vietnamese
SELF HELP ENTERPRISES
Visalia — 8445 W Elowin Ct 559-802-1664
Financial/Budget CounselingFair Housing Pre-Purchase Education WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop
Los Angeles — 2975 Wilshire Blvd 213-380-3700
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingNon-Delinquency Post-Purchase Workshop +2 more
Languages: English, Korean
SOUTHWEST FRESNO DEVELOPMENT CORP
Fresno — 1424 W California Ave 559-209-8031
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +2 more
Sacramento — 3725 Marysville Blvd 916-286-8652
Default/Foreclosure CounselingFinancial/Budget WorkshopHome Improvement/Rehab CounselingHomeless/Displacement Counseling +3 more
San Diego — 4305 University Ave Ste 360 619-266-6256
Default/Foreclosure CounselingFinancial/Budget WorkshopHomeless/Displacement CounselingNon-Delinquency Post-Purchase Workshop +3 more
Corona — 495 E Rincon St Ste 110 888-273-7267
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +6 more
VISIONARY HOME BUILDERS OF CALIFORNIA
Stockton — 315 N San Joaquin St 209-466-6811
Default/Foreclosure CounselingFinancial/Budget WorkshopPre-Purchase CounselingPre-Purchase Homebuyer Education Workshop +1 more
Languages: English, Spanish
Fountain Valley — 17150 Newhope St Ste 201 888-497-1511
Financial/Budget WorkshopHomeless/Displacement CounselingPre-Lease/Pre-Purchase WorkshopRental Housing Counseling
Languages: English, Vietnamese
WEST ANGELES COMMUNITY DEVELOPMENT CORP.
Los Angeles — 6028 Crenshaw Blvd 323-751-3440
Default/Foreclosure CounselingResolving/Preventing Mortgage Delinquency WorkshopFinancial/Budget CounselingFinancial/Budget Workshop +3 more
Credit Counselors (44)
DOJ-approved agencies providing the required pre-filing credit counseling for bankruptcy, plus general debt management plans.
In PersonInternetTelephone
Languages: Spanish
Suite 250 Pittsburgh, PA 888-511-2227
In PersonInternetTelephone
American Consumer Credit Counseling, Inc.
In PersonInternetTelephone
Languages: Spanish
In PersonInternetTelephone
Languages: Spanish
In PersonInternetTelephone
Languages: Spanish
InternetTelephone
Languages: Spanish
InternetTelephone
Languages: American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
Internet
Languages: Spanish
Telephone
Languages: Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
Telephone
Languages: American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
In PersonInternetTelephone
Languages: Spanish
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
InternetTelephone
Languages: Spanish
Debtor Education (50)
DOJ-approved providers for the required post-filing debtor education course in bankruptcy proceedings.
In PersonInternetTelephone
Languages: Spanish
In PersonInternetTelephone
Languages: American Sign Language, Spanish
InternetTelephone
Languages: Spanish
InternetTelephone
Languages: American Sign Language, Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Chuukese, Creole, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
Internet
Languages: Spanish
Telephone
Languages: Arabic, Armenian, Bosnian/Croatian/Serbian, Chinese, Chinese, Hakka, Chinese, Mandarin, Chinese, Min Nan/Taiwanese, Chinese, Wu, Chinese, Xiang, Chinese, Yue/Cantonese, Dutch, Farsi (Persian), French, German, Greek, Gujarathi, Haitian Creole, Hebrew, Hindi, Hmong, Hungarian, Italian, Japanese, Korean, Laotian, Marshallese, Mon-Khmer, Cambodian, Navajo, Other, Africa, Other, Americas, Other, Asia, Other, Europe, Other, Pacific, Polish, Portuguese, Russian, Sinhala, Spanish, Swedish, Tagalog, Thai, Urdu, Vietnamese, Yiddish
In PersonInternetTelephone
Languages: Spanish
Springboard Nonprofit Consumer Credit Management, Inc. DBA credit.org
Internet
Languages: Spanish
Legal Aid (11)
Federally funded legal aid organizations providing free civil legal assistance to low-income individuals facing foreclosure, debt, and housing issues.
Foreclosure in California
Process Both judicial and non-judicial
Typical Timeline 111–180 days
Homestead Exemption The greater of: (1) the countywide median sale price for a single-family home in the calendar year prior to when the exemption is claimed, not to exceed the statutory cap, or (2) the statutory floor.
Read the full California foreclosure law guide — timeline, protections, redemption rights, and anti-deficiency rules.
Most-Complained-About Mortgage Servicer in California
Bank Of America, National Association leads with 9,411 CFPB mortgage complaints in California (out of 62,235 total across all servicers). If you're having issues with your servicer, a HUD-approved counselor can help you navigate the complaint process.
File a CFPB complaint · View full Bank Of America, National Association complaint profile
Disclaimer: American Default does not endorse, rate, or rank any provider. All listings are sourced from federal government databases (HUD, DOJ US Trustee Program, Legal Services Corporation). Inclusion does not constitute a recommendation. Always verify credentials and suitability for your situation independently.
California Resources
Frequently Asked Questions
How many verified help providers are in California?
There are 187 government-validated organizations serving California: 82 HUD-approved housing counselors, 44 DOJ-approved credit counselors, 50 debtor education providers, and 11 LSC-funded legal aid offices. Of the 82 counselors, 65 offer foreclosure prevention services and 51 serve in Spanish.
Are housing counselors in California free?
Yes. HUD-approved housing counselors provide free, confidential assistance. They can help you understand your options if you're behind on your mortgage, facing foreclosure, or dealing with a reverse mortgage. California uses both judicial and non-judicial foreclosure, with a typical timeline of 6 months. The earlier you contact a counselor, the more options you'll have. Call 1-800-569-4287 to reach one.
What is the difference between credit counseling and debtor education in California?
Credit counseling is required before filing for bankruptcy — a counselor reviews your finances and discusses alternatives. Debtor education is required after filing — a course that covers budgeting, money management, and using credit wisely. Both are provided by DOJ-approved agencies. California had 54,492 bankruptcy filings last year (#28 nationally per capita). 82% were Chapter 7 liquidations and 17% were Chapter 13 repayment plans.
How do I qualify for free legal aid in California?
LSC-funded legal aid is available to low-income individuals, typically those earning below 125% of the federal poverty level. Each organization has its own intake process — call and ask about eligibility. Many can help with foreclosure defense, debt collection harassment, and housing disputes. California has 11 LSC-funded legal aid offices — Bay Area Legal Aid is one of the primary providers.
How current is this directory data?
Provider listings are pulled from federal government databases: HUD's Housing Counselor API, the DOJ US Trustee Program's approved agency feeds, and the Legal Services Corporation's grantee database. Data is refreshed periodically from these official sources.
What type of foreclosure does California use?
California uses both judicial and non-judicial foreclosure. The typical timeline from first missed payment to sale is roughly 4–6 months. Lenders may choose either path, so timelines vary. See our full California foreclosure law guide for details on protections, redemption rights, and homestead exemptions.
What are the top mortgage complaints in California?
California has 62,235 CFPB mortgage complaints on record across the 30 largest servicers. The most-complained-about servicer is BANK OF AMERICA, NATIONAL ASSOCIATION with 9,411 complaints. If you're having issues with your servicer, a HUD-approved counselor can help you navigate the complaint process, or you can file a CFPB complaint directly. See BANK OF AMERICA, NATIONAL ASSOCIATION's full complaint profile.