Credit Counseling

MMI offers free credit counseling (sometimes known as debt and budget counseling) to those who need help with budgeting, money management skills, and credit issues. Certified counselors take the time to thoroughly understand your situation and provide you with specific advice.

How it Works

Credit counseling is available 24 hours a day, 7 days a week. You can begin online or speak to a counselor one-on-one over the phone. In-person counseling is also available by appointment in select local markets.

You and your personal credit counselor will work together to:

  • Assess your current financial situation
  • Develop a realistic spending plan
  • Establish achievable financial goals
  • Create a personal action plan for success

Read more: What Does a Credit Counselor Do?

Who Can Benefit?

  • Do you spend more than you make each month and need help reviewing your finances?
  • Are you financially overwhelmed and struggling to pay your bills each month?
  • Has an income reduction made previously manageable debts unmanageable?
  • Are mounting medical bills or a recent divorce causing financial strain?

All financial challenges - no matter how major or minor - have solutions. No matter what financial problems you’re dealing with, the most important thing to remember is that you’re not alone. 

Need a little more information?

Reaching out for help is sometimes hard. We want to make sure you're comfortable and have all the answers you need before beginning a counseling session. Question not answered below? Click "Contact Us" above and submit your question via email.
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.

Will you talk to my creditors?

Will you talk to my creditors?

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. 

Can you help again if I've used your services before?

Can you help again if I've used your services before?

Absolutely. We're here and available to help anyone trying to improve their life and their finances.
What's a DMP?

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.
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!
More questions?

More questions?

They've been where you are today
  • "I had my doubts in the beginning, but as soon as I got on the phone with MMI I knew I made the right choice. Very easy to contact and the process is quick. I can't believe I am debt-free! Thank you so much MMI!"
  • "For the first time in almost four years my family can go on a well deserved debt-free vacation. I will be forever indebted with gratitude to MMI. Any one who cannot see their way out with credit card debt this is indeed the way to go." 
  • "I was hesitant to deal with anyone related to my debt as I had heard so many horrible scam stories. I was referred to MMI from a friend who had already used them and gave them good reviews. They created a plan based on my finances and actually got my monthly bills reduced. It took me 5 years, but I am credit card debt-free!"
  • "Thank you for your help. I truly thought there was no way out of my debt. I was so desperate that I had considered ending my life. Thank you again & I will NOT return to a debt load that I cannot manage. Looking forward to retiring in a few years & plan to remain debt-free."
  • "I can't speak too highly of this excellent organization. Not only did they help me get out from under a distressing situation, they were encouraging, comforting, patient, and caring. They gave me the information I needed and always made sure all of my questions were answered."
  • "Prior to making my first phone call to MMI I was very skeptical, but after talking to the representative I knew that this is what I truly needed to do. It is definitely a life changing program and without the use of any credit cards you have to face the fact that if you can't afford something you save up for it or you just don t buy it."
  • 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).
  • Trustpilot Trustpilot
    MMI is rated as “Excellent” (4.8/5) 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.
  • Consumer Federation of America Consumer Federation of America
    MMI is a member of the Consumer Federation of America (CFA), 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.
  • 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.