top of page
Bills & Budget Help Consumer Credit Counseling Services (CCCS)
  • Provides clients with opportunity for future financial planning

  • Teaches budgeting and proper credit use

  • Debt management: (844) 660-3328,

  • Bankruptcy pre-filing ($49 fee)

  • Credit counseling

  • Foreclosure Assistance

New clients: (800) 431-8157

Talk with a coach for free: 1 (888) 425-3453

Hours: Mon-Fri, 7am–5pm​ PST

Emergency Rental Assistance (ERA)
  • In-person sign ups

    • St. Augustine Parish​

    • 1501 W Washington St, South Bend, IN 46628

    • Hours: Mon, Wed & Fri 11am-12:30pm​

  • Saint Joseph County ERA

    • Helps tenants whose income has been negatively impacted by COVID-19 with rent and utility payments



Energy Assistance Program (EAP)

Can help you pay your heat and electric bills

  • EAP is a federally-funded program through the U.S. Department of Health and Human Services (HHS) called the Low-Income Home Energy Assistance Program (LIHEAP)

  • Indiana households that make 60% of the state median income (60 SMI) or less may qualify for these benefits


(800) 872 - 0371 (Inside Indiana Only)
(317) 232 - 7777

Eviction Legal Support
GreenPath Financial Wellness
  • Housing Services

  • Debt Counseling, (574) 252-0951

245 Edison Road, Suite 130, Mishawaka, IN 46545

(800) 550- 1961

Phone counseling hours:

Mon- Thurs, 7am–9pm Central

Fri, 7am–6pm

Sat, 8am–5 pm

Housing Authority of South Bend (HASB)
  • Housing Choice Voucher (Section 8)

  • Public Housing (HASB Owned Properties)

  • Community Development, (574) 235- 9475 (leave a message)

501 Alonzo Watson Dr., South Bend, IN 46601

(574) 235- 9346

La Casa de Amistad - Team HEAT
  • Home assistance program for low income families which aims at helping alleviate the cost of their gas bill (qualifying families)

  • Families are to complete a financial management program and attend monthly family development sessions

3423 S. Michigan St., South Bend, IN 46614
(574) 233- 2120
Hours: Mon- Fri, 8:30am -5pm

Penn Township - Resources
  • Housing

  • Utility Assistance

  • Emergency Shelters

  • Legal Services

(574) 256- 6213

210 East Russ Street, Mishawaka, IN 46545


Mon- Thurs 8am- 4:30pm

Fri 8am- 1pm


Mon-Thurs 8am- 3pm

Fri 8am- 12pm

REAL Services

Household Assistance

  • Rental Assistance

  • Energy Assistance: assistance with utility bills during winter and summer for households within 60% of the state median income (air conditioners may be available for those who meet guidelines)

  • Team Heat

  • Weatherization

  • Career and job-seeking guidance

  • Complete basic education

  • Housing and home ownership guidance

  • Childcare resources

  • Family Development Program

1151 S Michigan, South Bend, IN 46601

(574) 233-8205

Hours: Mon- Fri 8am - noon, 1pm - 4:30pm

Saint Joseph County - Emergency Rental Assistance (ERA)
  • Helps tenants whose income has been negatively impacted by COVID-19 with rent and utility payments

  • Applicants must meet all of the following: (are currently a resident of St. Joseph County, name appears on the rental lease, income is less than 80% of the median household income in St. Joseph County, and can demonstrate housing instability or risk of homelessness due to COVID-19)

227 West Jefferson Blvd, Suite 722, South Bend, IN 46601

(574) 800-6242

Saint Vincent de Paul Society - Rent & Utility Assistance
  • ERA, General Financial Assistance, Team Heat/ Cool

  • Heat/cool matching funds 

  • Food Assistance: pantry open Tues & Thurs, 10 am -2 pm

  • Food delivery once every 30 days

  • Clothing & household item vouchers (provided once every 6 months for those who qualify) 

  • New mattresses, bed frames, pillows, sheets, and blankets to children ages 3-17 (must go through a referral agency)

  • Must bring photo ID, proof of address & birth certificates for children

520 Crescent Ave, South Bend, 46617

(574) 234-6000

Client hours: Tues & Thurs 10am – 2pm

Call for emergency: Mon-Fri 10am – 2pm​

Salvation Army Kroc Center - Utility Assistance
  • Utility assistance and financial aid 

  • Food pantry

South Bend Office (located at the Kroc Center)

900 W. Western Ave., South Bend, 46601

(574) 233-9471 ext. 2205 (To apply, call & leave a message)

Hours: Mon, Tue, Fri 9am– 12pm 


Stone Soup Community
  • Rent assistance programs

  • Crisis services (housing, utilities, medication, job related issues, transportation, domestic abuse, homelessness)

333 N. Michigan Street, South Bend, 46601

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.

United Religious Communities (URC) - Emergency Rental Assistance (ERA)
  • Limited funding for refugee resettlement help and utilities

  • Emergency Rent and Utility Assistance (ERA) (application due Nov. 19)

501 N. Main Street, South Bend IN 46601

(574) 282-2397 x 2

Hours: Mon, Wed & Fri, 9am– 5pm

United Way of Saint Joseph County (UWSJC) - Team HEAT
  • Must be a St. Joseph County resident and your income is at or below 250% of poverty

  • Matches each $50 you pay towards your monthly heating bill

  • Program benefits available Nov. 1st through April 1st

3517 E Jefferson Blvd, South Bend, IN 46615
(574) 232- 8201

Page Index

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

  1. CCCS

  2. Emergency Rental Assistance (ERA)

  3. Energy Assistance Program (EAP)

  4. Eviction Legal Support

  5. GreenPath Financial Wellness

  6. Housing Authority of South Bend (HASB)

  7. La Casa de Amistad - Utility Assistance

  8. Penn Township - Resources

  9. REAL Services - Household Assistance

  10. Saint Joseph County - ERA

  11. Saint Vincent de Paul Society - Rent & Utility Assistance

  12. Salvation Army Kroc Center - Utility Assistance

  13. Stone Soup Community

  14. Township Trustees

  15. URC - ERA

bottom of page