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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.

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.

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.

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!

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

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.

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.

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.

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.

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.

Services are available in English and Spanish. Additional languages are available via an interpreter service.