Bills & Budget Help
Advocacy Center - South Bend
  • Helps with bills, food needs, and networking in the community. 

United Religious Communities (St. James Episcopal Cathedral's Education Wing)

501 Main St, South Bend, 46601

(574) 282-2397

Walk-in services only

Client Screening between 9:00am and 9:30am

Hours: Mon, Wed, Fri, 9:00am – 12:00pm

Consumer Credit Counseling Service
  • Provides clients with opportunity for future financial planning

  • Teaches budgeting and proper credit use

  • Helps establish debt management plan

  • Pre-filing for bankruptcy/certificate ($50)

  • Credit counseling ($50 fee)

(219) 980-4800

1 (800) 982-4801

Phone counseling only

Hours: Mon-Fri, 9:00am – 5:00pm​

Energy Assistance (through REAL Services)
  • Assistance with utility bills during winter and summer for anyone under 150% poverty level given available funding

  • Air conditioners may be available for those who meet guidelines

1151 S. Michigan, South Bend, 46601

(574) 232-6501

Hours: Mon-Fri: 8:00am – 4:30pm (closed 12:00pm – 1:00pm)​

Kroc Center
  • Utility assistance and financial aid 

  • Food pantry

900 W. Western Ave., South Bend, 46601

(574) 233-9471 ext. 2206

Hours: Mon, 1:00pm – 6:00pm
            Tues, Wed, Fri, 9:00am – 5:00pm
            Thurs, 1:00pm – 5:00pm

  • Assists clients achieve financial stability, find a new home, prevent foreclosure, find affordable rentals, get home repair assistance, immigration counseling, and neighborhood engagement.

202 N. Cottage Avenue
Goshen, IN 46528

(574) 533-4450
Hours: Mon- Fri, 8:30am - 5:00pm

Michiana 5 for the Homeless
  • Down payment and utility deposit assistance

  • Help with housing and getting people on their feet

2206 Miami Street, South Bend, 46613

(574) 607-3483

Hours: Wed-Thurs, 12:00pm – 4:00pm

REAL Services Family Development Program
  • Program for women 18 or older who desire to be financially self-sufficient in all areas

  • One-on-one mentoring and support

  • Offer to pay costs of GED test or higher education costs

1151 S. Michigan, South Bend, 46601

(574) 284-7129

Contact person: Latasha Bosse, Family Life Coordinator

Hours: Mon-Fri, 8:00am – 4:30pm (closed 12:00pm – 1:00pm)​

Saint Vincent De Paul
  • Budget/financial assistance (through Stone Soup Community)

  • Client must first contact Township Trustee

  • Food help

  • Furniture help (first Wednesday of every month 12:00pm)

  • Must bring ID & birth certificates for children

520 Crescent Ave, South Bend, 46617

(574) 234-6000

Hours: Mon-Fri, 10:00am – 4:00pm (client hours)

            Wed, 2:00pm – 8:00pm​


Stone Soup Community
  • Budget counseling & financial literacy

  • Fourteen week program based on Bridges out of Poverty

  • Crisis services (bills help, housing, medication, domestic abuse)

  • Advocacy, networking, referrals, and financial aid

  • Goals setting

  • Job coaching, resume help

  • Family development program

333 N. Michigan Street, South Bend, 46601

(574) 246-0364

Hours: Mon-Fri, 9:00am – 12:00 pm (or by appointment)

Township Trustee
  • One-time financial assistance for food, rent, utilities and emergency medical prescriptions

  • Application required; call to make appointment, meet at fire department to go over financial position and paperwork

Refer to this page to find correct township and the contact information for your specific township.

Hours: by appointment only​

URC of St. Joseph County
  • Limited funding for documentation help and utilities

117 N. Lafayette Blvd., South Bend, 46601

(574) 282-2397

Hours: by appointment only

Page Index

All Bills & Budget Help resources are listed here in alphabetical order. 

  1. Advocacy Center- South Bend

  2. Consumer Credit Counseling Service

  3. Energy Assistance (REAL Services)

  4. Kroc Center

  5. Lacasa

  6. Michiana 5 for the Homeless

  7. REAL Services Family Development Program

  8. St. Vincent de Paul

  9. Stone Soup Community

  10. Township Trustees

  11. URC of St. Joseph County