Debt Repayment and Budgeting Solutions

We help people in all walks of life repay debt, balance their budget, and we can do it online.

Find Your Solution
4.8 out of 5 stars: See what our clients are saying!

What's your challenge?

At MMI, we specialize in providing nonprofit solutions to everyday financial challenges. Our success is your prosperity. We offer a range of financial education and counseling services to tackle the most common setbacks consumers face today. Where do you need help?

Repaying Credit Card Debt
Repaying Credit Card Debt
We offer tools and expertise to help make debt repayment pain-free.
Find a solution
Balancing income and expenses
Balancing income and expenses
Empowering advice and resources to make life affordable.
Learn more
MMI credit report review services
Understanding your credit report
One-on-one credit report reviews with tips and advice for improvement.
Get help
MMI foreclosure prevention counseling services
Avoiding Home Foreclosure
Facing foreclosure? You have options, but you need to act fast.
Get advice
MMI new homebuyer counseling services
Buying a Home
Teaching new homebuyers how to juggle their new responsibilities.
Learn more
MMI reverse mortgage counseling services
Understanding Reverse Mortgages
Key information about this potential income source for seniors.
Get prepared
MMI bankruptcy counseling services
Filing for Bankruptcy
Convenient tools to help you complete the filing process.
Tell me more
MMI student loan counseling services
Managing Student Loans
Don't let your student loans overwhelm you. We can help.
Read more
MMI disaster recovery services
Recovering from a natural disaster
Supporting your journey to post-disaster financial recovery.
Get guidance

Real people, ready to help

Asking for help is hard. No one wants to feel judged. At MMI we believe strongly in providing empathetic expertise. After all, we've all been there before. So no matter what challenge you're facing, you will always receive the same care and attention. 

  1. Confidential

    Your participation in any of our services is always confidential and won't be reported to any third party (including creditors and credit bureaus) without your permission.

  2. Compassionate

    We're passionate about helping, because we all know what it feels like to need help. Expect to always be treated with kindness and compassion.

  3. Professional

    We love what we do, but we take our work and your trust seriously. We pride ourselves on our expertise and professionalism.
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Teresa, an MMI team member

Frequently Asked Questions

If you've got questions, don't hesitate to ask! Here are a few of our most commonly asked questions. To submit questions online, click the "Contact Us" button at the top of the page.

Can you help me repair my credit?

Can you help me repair my credit?

MMI is not a credit repair service. We offer advice and educational materials to help you build a positive credit history. Following this advice may result in a significant improvement in your credit score over time.

Is there a cost to use your services?

Is there a cost to use your services?

Most counseling and education is provided at no cost. We have a few select low-cost services and there are fees associated with using our debt management plan. However, you may be eligible for reduced or waived fees. Ask your counselor for more details.

How long does a typical counseling session last?

How long does a typical counseling session last?

Each counseling session is tailored to meet your specific needs. A full counseling session typically lasts 45-60 minutes, but we’ll work around your schedule and availability.
Will you talk to my creditors?

Will you talk to my creditors?

All of our counseling sessions are completely confidential. We don’t report anything to credit bureaus, individual creditors, or other parties without permission. We will only contact your creditors if you decide to begin a DMP, in order to set up your repayment plan.
How do I begin?

How do I begin?

Assistance is available 24 hours a day, seven days a week. Simply click here to get started or give us a call at 866-889-9347. We look forward to helping!
  • Better Business Bureau A+ rating Better Business Bureau
    MMI is proud to have achieved an A+ rating from the Better Business Bureau (BBB), a nonprofit organization focused on promoting and improving marketplace trust. The BBB investigates charges of fraud against both consumers and businesses, sets standards for truthfulness in advertising, and evaluates the trustworthiness of businesses and charities, providing a score from A+ (highest) to F (lowest).
  • Candid GuideStar Gold Transparency level 2022 Candid
    MMI has achieved a Gold Seal of Transparency by Candid (formerly GuideStar), a leading source for insights on thousands of nonprofit organizations. For decades, Candid has provided data that powers hundreds of websites, programs, and applications related to philanthropic giving in order to help grantors make informed decisions.
  • Trustpilot Trustpilot
    MMI is rated as “Excellent” (4.9/5) by reviewers on Trustpilot, a global, online consumer review platform dedicated to openness and transparency. Since 2007, Trustpilot has received over 116 million customer reviews for nearly 500,000 different websites and businesses. See what others are saying about the work we do.
  • Department of Housing and Urban Development - Equal Housing Opportunity Department of Housing and Urban Development
    MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
  • Council on Accreditation Council On Accreditation
    MMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA’s thorough, peer-reviewed accreditation process is designed to ensure that organizations like MMI are providing the highest standard of service and support for clients and employees alike.
  • National Foundation for Credit Counseling National Foundation for Credit Counseling
    MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.