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Starting a New Debt Management Plan?

Need assistance getting your new DMP set up and activated? We can help! 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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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.

What's a DMP?
A debt management plan (or DMP) is a structured repayment plan facilitated by a credit counseling agency. Most creditors will provide benefits, including a reduce interest rate and affordable monthly payment, in exchange for working with a credit counseling agency.
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.
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!
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.
Should I tell my creditors I'm starting a debt management plan?
Yes, you can. It is also very helpful to request that they change your due date to coincide with the payment date you have chosen for your DMP. To avoid potential conflicts, we ask that this date be moved to 14 days after your new MMI due date, if possible.
When will my creditors be notified that I have joined a debt management plan?
After MMI has received your first month’s total deposit your creditors will be notified of your debt management plan. At that point we'll send a proposal request for a lowered payment and reduced interest rate based on individual creditor policies. 
When do I stop paying my creditors directly?
Keep paying each creditor by the due date until you receive confirmation that each account has been successfully set-up on the DMP. However, if that's not possible, you may decide to stop paying your creditors once you've made your first payment to MMI. Keep in mind that this could cause your account to become past due if they haven't adjusted your terms yet.
When do my creditors stop calling me?
Generally, the calls should stop as accounts are officially accepted onto the program. However, there may be some delays, and if you're still receiving calls after the first month of your DMP, you should connect with our Support department to review your file.
What if I have automatic payments set up with my creditors?
Although we're administering your debt management plan, we're still a third party. Automatic payments can only be canceled by the account holder and should be done immediately after joining. You can do this by calling the creditor’s customer service number.
How do I know if a creditor has accepted the proposal for my debt management plan?
You can monitor the status of your proposals through your online account or by reviewing your monthly MMI statement. Some creditors may contact you directly to let you know. 
  • 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).
  • Financial Counseling Association of America Financial Counseling Association of America
    MMI is a proud member of the Financial Counseling Association of America (FCAA), a national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services.
  • 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.