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Free credit counseling Buffalo and Erie County

Updated October 22, 2025 • 3 min read • 592 words
Focus Immediate Financial Assistance

Buffalo credit counseling organizations.

Non-profit credit counseling agencies in Buffalo and Erie County New York can advise individuals on a wide variety of financial problems, including credit and medical debts, foreclosure, budgeting, and predatory loans. Counselors offer individuals a number of free or low cost assistance programs to help them with paying their debts and bills. Call one of the non-profit credit counseling agencies below to get more information and/or to make an appointment. Together you will go over your financial situation, and learn about the services that may be able to help you in your situation. Some of the debt and mortgage assistance programs are noted below. The client and counselor will explore solutions such as Foreclosure and Loss Mitigation Counseling, Credit Report Reviews, Reverse Mortgage Counseling, and Bankruptcy Counseling. To be more specific, you may be able to enter into a debt management plan with the non-profit credit counseling agency. Also learn about and get mortgage help from a number of federal government and national bank home loan assistance programs. Those are just some of the options available to Buffalo and Erie County residents.

Belmont Housing Resources

Address - 1195 Main Street

Buffalo New York 14209-2196

Phone number - (716) 884-7791 Covers the entire Erie County New York region. The focus is on homeowner programs. Get help on paying an existing mortgage and preventing a foreclosure, and first time homeowners can also receive information on grants and loan programs. Reverse mortgage counseling for seniors is also offered.

Consumer Credit Counseling Service of Buffalo Inc.

  • Gardenville Parkway, Suite 300

West Seneca New York 14224

Dial (716) 712-2060 The local branch of the national non-profit credit counseling agency. Call for assistance in paying existing bills, credit card debts, and much more. Housing and bankruptcy advice and counseling is also administered. Some programs are free or offered at minimal cost.

Northtowns Office Belmont Housing Resources

  • Spruce Street

North Tonawanda NY 14120-6305

Phone number - (716) 213-2784

Housing Resource Center - Belmont Housing Resources

Office location - 1195 Main Street

Buffalo New York 14209

(716) 884-7791 HUD Housing Counseling is also offered by Belmont Housing Resources for WNY Address: 1195 Main Street Buffalo NY 14209 (716) 884-7791 Supports all Erie County NY families with loan modifications and help in applying for various government assistance programs.

Buffalo Urban League Inc. - Foreclosure Prevention Program

  • Genesee Street

Buffalo New York 14203

(716) 250-2402 Receive HUD certified foreclosure counseling. Also receive credit repair, referrals to debt management and consolidation programs, budgeting classes, and more financial management.

Southtowns Office Belmont Housing Resources

174 Main Street Hamburg NY 14075-4917 Dial - (716) 312-8075 HomeFront Inc. 560 Delaware Avenue Suite 101 Buffalo, New York 14202 Call 716-856-2952 for information and hours

  • federal government certified non-profit credit counseling agency. Offers homeowners and creditors a number of financial assistance programs, including those to deal with credit card debts and other bills. Free foreclosure prevention is also available for income qualified individuals.

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