A Nonprofit Community Service Organization

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Frequently Asked Questions:

How can MMI help me?

  • Create a personal action plan
  • Manage your finances
  • Reduce your spending
  • Get your life back on track

Is there a cost to participate in a counseling session?

No, credit counseling is free. No gimmicks. No pressure to buy something. Absolutely free. If you choose to enroll in the Debt Management Plan (DMP), there may be a one time set up fee in addition to monthly fees for the cost of administering the plan.

How long does a typical counseling session last?

Your financial situation is unique, so your counseling session is tailored to meet your needs. A full credit and budget counseling session typically lasts 45-60 minutes. Our counselors are available 24 hours a day, 7 days a week to answer your questions.

Are your services confidential?

Yes. Confidentiality is one of the fundamental benefits of our counseling services. Your participation in a counseling session is not reported to anyone- including 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.

What other services do you offer?

  • Debt Management Assistance
  • Foreclosure Prevention Counseling
  • Reverse Mortgage Counseling
  • Bankruptcy Counseling
  • Bankruptcy Education
The Department of Housing and Urban Development (HUD) sponsors housing counseling agencies to provide free or low cost advice on buying a home, renting, defaults, foreclosures, and credit issues. The Council on Accreditation (COA) partners with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards. HOPE NOW is an alliance between counselors, mortgage companies, investors, and other mortgage market participants.