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Ask about our debt repayment and budgeting services

MMI offers programs and services to help you repay debt and create a fresh start. To help us provide you with an accurate, timely answer, please complete the following form with as much detailed information as possible.

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Frequently Asked Questions

Listed below are questions clients ask us frequently. If you can't find the answer to a question you have or you would like to know more details, please feel free to contact us using the form.

Are there fees associated with a DMP?
Yes. Most DMPs include an initial set-up fee, as well as a monthly fee, the amount of which is based on the size of your debt payments and your state of residence. We believe our fees are fair and in line with the value of the DMP. That fee gets you peace of mind, expert guidance, and – most importantly – huge savings. By the time your DMP is over and your debt is paid in full, the amount you’ve saved in reduced interest charges will greatly exceed the total cost of your fees. And remember, your DMP payments are factored into the new budget you’ll be given – if you can’t manage the payments, a DMP won’t be recommended for you.
Can you help me even if I've missed some payments?
You can still benefit from a DMP even if you've become delinquent on your credit card accounts. Depending on the creditor and the severity of the delinquency, your accounts may even be considered current after a certain number of DMP payments. A counselor can better explain the value of a DMP for your specific situation.
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.

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 {phone}. We look forward to helping!
How do I schedule an appointment with my local office?

Office appointments are available by appointment. Please call {phone} to schedule an appointment. We look forward to meeting you!

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.
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.

Is this the same thing as a consolidation loan?
A debt management plan is not a loan. You simply make a single payment each month which is dispersed to all your creditors. You will continue to receive monthly statements from each of your creditors.
Will a DMP hurt my credit?
It’s important to know that any credit card accounts included on your DMP will be closed (so no new debt can be acquired). Because “available credit” is a factor in your credit score, you may see a dip in your score immediately after beginning your DMP. By the time you’ve completed your DMP, however, you will very likely see a dramatic improvement in your overall credit health as your debt is repaid in full and your accounts receive timely payments every month.
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.
Are services available in Spanish?
Services are available in English and Spanish. Additional languages are available via an interpreter service.
  • 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 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.