Budget and Debt Counseling FAQs

No.  There is no fee or obligation for clients engaging in a counseling session.  Normally, if a client chooses to establish a Debt Management Plan, there will be a one time set-up charge and a monthly fee to contribute towards the cost of administering a Debt Management Plan.

Yes. Our three main fax numbers are:

888.812.5358 For documents related to establishing a Debt Management Plan

800.933.0133 For documents related to DepositDirect

888.845.0501 For documents related to the support of an existing Debt Management Plan

If you need to fax documents related to our housing or bankruptcy services, you are encouraged to call 866.889.9347 to learn the right fax number for your specific issue. Using the correct fax number will ensure that your document is properly routed.

Confidentiality is one of the fundamental benefits of our counseling services.  Your participation in a counseling session is not reported to anyone unless otherwise disclosed or agreed to by you.  We not report to the credit reporting agencies.   If you choose to establish a Debt Management Plan the counselor will request your permission to negotiate with your creditors on your behalf.

Each person’s financial situation is unique; therefore, each counseling session is tailored to meet the specific needs of each consumer.  A full credit and budget counseling session typically lasts 45-60 minutes; however, do not hesitate to call and speak to a counselor—even if you have only a few minutes to spare.   Counselors are available 24 hours a day, 7 days a week to answer questions.

After you make your first deposit, our support counselors are available to guide you to your financial goals. As a client, access to detailed information about your repayment program is available anytime by accessing this web site or our customer information line.

To begin on the path to financial freedom, simply complete the online counseling form or call a counselor directly. To assist in expediting either counseling process, have your most recent creditor statements available for quick and easy reference.

The counseling process is different for every person. However, having your most recent statements available at the time of counseling can help reduce the process time.

MMI has an established network within the creditor community. With over 46 years in the credit counseling industry, we have developed strong relationships with many of the nations major credit corporations. We work with all unsecured creditors including doctors, attorneys, finance corporations, and collection agencies.

Yes, our company is committed to maintaining your privacy and online confidentiality. MMI has produced a privacy statement that outlines the steps that we have taken to ensure that any information or data that you provide is kept confidential and cannot be used improperly.

A counselor will contact you to discuss the details of your proposed Debt Management Plan. Our professional, certified counselors will assess your financial situation, assist in creating a spending plan, and discuss options for debt repayment