BALANCE, former Consumer Credit Counseling Service of San Francisco (CCCS) is a non-profit service and a member of the National Foundation for Credit Counseling (NFCC). We are accredited by the Council on Accreditation of Services for Families and Children, Inc. and are certified by HUD to provide comprehensive housing counseling services. We've been providing money management information and assistance since 1969.


Mission Statement

By providing comprehensive financial counseling and education, we will help consumers achieve financial independence through debt reduction, homeownership, and improved money management skills.


Who We Serve

As a financial resource center, we offer the tools to help our clients set and achieve financial goals. Whether you need immediate help to pay off debt and avoid bankruptcy or you just need guidance in designing a spending and savings plan or buying a first home, we offer a variety of programs and services that put you in control of your financial future. There is no charge for money management, debt or housing counseling services. Debt Management Plan participants pay a small monthly administrative fee to cover the cost of handling their accounts; the fee never exceeds $35 per month.

Although we are based in San Francisco, we serve people nationwide by phone. Our staff includes BAs, MAs, JDs, MSWs, certified financial planners and certified credit report reviewers. All counselors participate in a month-long training program upon hire and in ongoing training sessions on everything from counseling techniques to resources and referrals.


Our Counselors

All of our counselors are required to successfully complete a national certification program developed by Purdue University specifically for members of the NFCC. This certification covers such topics as consumer protection, spending plans and budgeting, creditor and legal policies and practices, credit and debt management, and counseling principles and techniques. Counselors must also maintain their certification by earning additional Professional Development Units (PDUs) during each four-year period.

1390 Market St. Suite 200
San Francisco, CA, 94102