What is Credit Counseling?
Credit counseling is a service designed to help consumers find solutions to common financial challenges. Alternatively known as consumer credit counseling, debt counseling, and debt & budget counseling, these confidential conversations can help you learn how to manage overwhelming debt, poor credit, budget deficits and more.
MMI is a nonprofit credit counseling and financial education company with NFCC-certified counselors. We take the time to thoroughly review your budget, discuss your concerns, and provide specific advice on how to reach your unique goals. Best of all, we offer counseling for free, 24/7.
What Can Credit Counseling Do For Me
Our credit counseling services are all about breaking free from the cycle of crushing debt and ever-increasing expenses. We understand that complicated problems require personalized solutions, which is why our counselors work so hard to make sure your needs and concerns are heard and understood.
As part of this confidential conversation, we’ll discuss ways to help you save money, find relief from credit debt, and start working toward your top financial goals. You’ll leave your free session with an action plan, access to valuable resources, and — if it’s right for you — the opportunity to save money and accelerate your debt repayment with a debt management plan.
Do I Need Credit Counseling?
Anyone can benefit from a free consultation with a credit counselor, but it’s especially valuable for those who struggle to manage their monthly financial obligations. Ask yourself the following questions:
- Are you worried about your ability to pay one or more upcoming bills?
- Does it feel like you’re never going to be out of debt?
- Have you gone through a major life change (job loss, divorce, etc.) and aren’t sure how to make ends meet?
- Have you begun to miss payments?
If you answered “Yes” to any of these questions, credit counseling from MMI is an excellent, obligation-free way to start finding real, lasting relief.
No. Credit counseling is available at no cost, 24/7. You may be offered additional fee-based services following your free session, but there is no obligation to use any additional services.
With your permission, a credit counselor will pull your credit report and review all your debts, expenses, and sources of income. After thoroughly reviewing your information, they will provide recommendations and send you a customized action plan. 
The more information you have on hand, the better. Gather recent pay stubs, bank statements, creditor statements (loans and credit cards), and utility bills. Too much information is better than too little. Learn more about preparing for your credit counseling session.
Every MMI counseling session is completely confidential. We will only contact your creditors if you decide to begin a DMP, as that allows us to set up your repayment plan.
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