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Sacramento free credit counseling

Updated October 21, 2025 • 3 min read • 617 words
Focus Immediate Financial Assistance

Credit counseling Sacramento.

Credit counseling and foreclosure assistance is offered by non-profit credit and housing counseling agencies in Sacramento. A number of organizations focus on offering these services either for free or low cost to families and individuals across the county. The leading non-profits to call in Sacramento California for credit counseling services and resources are listed below. Call one of the organizations to learn about, among other things, credit counseling and education programs that are being made available. The services can provide personal money management and debt repayment, including mortgage delinquency, home default and foreclosure counseling. Specialists from the non-profits may intercede with creditors, banks and mortgage lenders and others. They perform this service on behalf of the client to adjust or negotiate payments for debt management programs or loan modifications. In addition, the counselors will hold sessions on workshops and topics related to foreclosure counseling, credit, money management, bankruptcy, and various other housing issues. The primary goal is to be able to help people get back on track with paying their bills, debts, and home loans.

Clearpoint Credit Counseling Solutions

Location - 4636 Watt Avenue, Second Floor, (SAFE Credit Union) North Highlands, California 95660 Main phone number - (800) 750-2227. This is the local Sacramento branch of the national non-profit organization. They offer bankruptcy assistance, debt management plans, workshops, and financial literacy programs.

  • second locations is available at

8795 Folsom Blvd Sacramento, California Phone - (800) 736-2227

Community Services Block Grant Program

738 North Market Blvd. Sacramento, CA 95834 (916) 564-4053 Some budgeting and referrals to other organizations is offered.

Cordova Senior Center

Location - 3480 Routier Road Sacramento, California 95827 (916) 366-3133 Programs focus on senior issues and financial matters, such as reverse mortgages, medical debts, saving money for heirs, and other senior programs.

Lutheran Social Services - Transitional Housing Program for Families

Location - 3200 V St. Sacramento, CA 95817 Telephone number: (916) 453-2900

Sacramento Urban League

3725 Marysville Blvd. Sacramento, California 95838 916-286-8600

  • leading organization for free foreclosure counseling. Among other things, learn about federal government and state of California mortgage assistance programs. They offer numerous housing services for tenants and low income families.

Opening Doors - Prosperity Project

Personal Financial Counseling

Office locations is 2118 K Street Sacramento, CA 95816 Dial - (916) 492-2591 Budgeting, information on saving money, and more.

Sacramento Home Loan Counseling Center

Personal Financial Counseling

1800 Tribute Road, Suite 150 Focuses on housing, mortgage, and foreclosure assistance. A HUD approved agency. Sacramento Neighborhood Housing Services, Inc. Location - 2400 Alhambra Blvd. Sacramento, California 95817 Phone: 916-452-5356 Another non-profit that can help homeowners pay their mortgage, and prevent a foreclosure.

Consumer Credit Counseling Service: North Sacramento

Office address: 1000 2nd Street Sacramento, California Main phone number - (916) 344-8830 Some of the programs can do the following. They can assist with credit repair. Housing specialists offer foreclosure prevention solutions. Also offered include programs to deal with credit card and medical debts. If you are considering bankruptcy, get assistance with the process. This is another Sacramento HUD certified housing agency, and many services are offered for free or reduced costs. By