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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?
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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. However, you may be eligible for reduced or waived fees. Ask your counselor for more details.

Can you help me even if I've missed some payments?
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You can still benefit from a debt management plan 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.   

Can you help me repair my credit?
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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?
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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?
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Office appointments are available by appointment. Please call {phone} to schedule an appointment. We look forward to meeting you!

How long does counseling take?
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We offer a variety of financial counseling services. The length of the session will vary depending on the issues being addressed, but most typically last between 45 and 90 minutes.

Is there a cost to use your services?
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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?
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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?
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You may see a dip in your score immediately after beginning your DMP, with a  dramatic improvement once your debt is repaid in full.

Will you talk to my creditors?
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All of our counseling sessions are completely confidential. 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?
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Services are available in English and Spanish. Additional languages are available via an interpreter service.
  • The Consumer Federation of America (CFA) is an association of nonprofit consumer organizations that was established in 1968 to advance the consumer interest through research, advocacy, and education. Today, nearly 300 of these groups participate in the federation and govern it through their representatives on the organization's Board of Directors.
  • The National Council of Higher Education Resources (NCHER) is the nation’s oldest and largest higher education finance trade association. NCHER’s membership includes state, nonprofit, and for-profit higher education service organizations, including lenders, servicers, guaranty agencies, collection agencies, financial literacy providers, and schools, interested and involved in increasing college access and success. It assists its members in shaping policies governing federal and private student loan and state grant programs on behalf of students, parents, borrowers, and families.

  • Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.

  • The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.

  • The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.

  • The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.