MMI offers free budget and debt 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
Budget and debt counseling is available 24 hours a day, 7 days a week by telephone and Internet. In-person budget and debt counseling is also available by appointment in select local markets.
You and your personal credit counselor will work together to:
We recognize that consumers have options. So what separates MMI?
Quality - MMI is a member of the National Foundation for Credit Counseling (NFCC) and the Consumer Federation of America (CFA). We are proud to be accredited by the prestigious Council on Accreditation of Services for Families and Children.
Knowledge - Our training department works hard to assure that our representatives are knowledgeable and cross-trained in multiple areas of financial concern. All counselors must pass a series of tests to become certified.
Accessibility - You can access our services by phone, internet and in person in many markets. Representatives are here 24 hours a day, 7 days a week to meet your needs.
Nonprofit - As a nonprofit counseling agency, our priority is always the success and wellbeing of the people we serve. You can always expect honest, unbiased advice and guidance.
History- MMI has been helping consumers find new ways to overcome financial challenges since 1958.
How long does a typical counseling session last?
Each person’s financial situation is unique and so each counseling session is tailored to meet the specific needs of each consumer. A full credit and budget counseling session typically lasts 45-60 minutes, but don’t hesitate to call and speak to a counselor—even if you have only a few minutes to spare. Counselors are available 24 hours a day, 7 days a week to answer questions.
Is there a cost to participate in a counseling session?
No. There is no fee or obligation for credit counseling. If you decide to start a debt management plan, there will likely be a one time set-up charge and a monthly fee for the cost of administering the plan.
Are your services confidential?
Confidentiality is one of the fundamental benefits of our counseling services. Your participation in a counseling session is not reported to anyone unless otherwise disclosed or agreed to by you. We don’t report to the credit reporting agencies. If you choose to establish a debt management plan your counselor will request your permission to negotiate with your creditors on your behalf.
In some dire cases, financially burdened consumers are relying on credit cards to purchase necessities such as food and gas, driving up card balances and compounding the issue of higher food and energy prices – with interest.
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.
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.