Quick Links:
HUD-Approved Housing Counseling
Credit Counseling and Financial Education Classes
Job Training Programs
Understand the Foreclosure Timeline

If you are having trouble paying your mortgage, a financial counselor can help you find out whether you qualify for a loan modification and what your options are. All people can benefit from financial counseling to build their credit and learn new money management skills, especially during or after a financial crisis. Counselors are also available to help when you want to make a major purchase, such as a home or a car. Fortunately, there are many reputable non-profit agencies that provide high-quality financial counseling services to people of all different income levels.


The U.S. Department of Housing and Urban Development (HUD) funds non-profit agencies throughout the country to provide free counseling about buying a home, facing foreclosure, taking out a reverse mortgage and more. Because many agencies with HUD-approved housing counselors also offer credit counseling, financial management classes and back-to-work training programs, their websites are worth exploring.


Credit counselors can help you create a debt management plan for paying down debts or simply for living within your budget.   Many bankruptcy courts require people to take credit counseling courses before they can file for bankruptcy. Financial education classes also can be useful if you want to buy a home or start a business.


There are also job training and job counseling programs in your area.  Each of the agencies we have listed below either has a back-to-work or job training program or can refer you to one.

  • The California Department of Labor and the U.S. Department of Labor have information and links to job apprenticeship and training programs.  Local labor unions may also have information worth exploring.
  • Another good place to start is JVS-Los Angeles.  They provide a wide range of training programs, counseling services and other support for people who have lost their jobs or who are looking to make a career change.  For information, call (323) 761-8888.

Understand the Foreclosure Timeline

California is a non-judicial foreclosure state. This means that a mortgage company does not have to file a case in court in order to sell your house at a foreclosure auction.

  • To understand the foreclosure timeline and what you can do at each stage of the foreclosure process, read our quick Foreclosure Timeline Guide.