Licenses and Disclosures


The information provided using this website is only intended to be general summary information to the public. It is not intended to take the place of legal advice, written law, or regulations.

Money Management International, Inc.
12603 Southwest Freeway, Suite 450
Stafford, TX 77477

General Information: 866.889.9347
Customer Service: 888-845-5669
List of Principal Officers

What is Money Management International (MMI)?

Money Management International, Inc (MMI) is a Texas-based, nonprofit organization organized under the IRS 501(c)(3) tax code. MMI provides financial education programs, housing advisory services, bankruptcy counseling, free personal credit and budget counseling, and debt management assistance. MMI’s services are consultative only and MMI cannot prevent wage attachment or garnishment, repossession, or job loss. Therefore, you should rely on your own judgment in deciding which product/service best suits your needs and financial means. The information provided should be understood to be a general discussion of the subject matter and does not constitute a legal opinion about your particular situation.

The counseling form you submit either in person or online is not a legal document, and this form does not bind you to any fees or financial commitments with MMI. However, you providing your information to this site and related sites is consent for MMI to contact you by telephone, including mobile phone and text. If you choose to participate in a Debt Management Plan, you are asked to pay a set-up fee and monthly fee to cover the costs of creditor communications, general account maintenance, education, and other administrative costs.

For more information about our services, and possible fees associated with these services, please call us toll-free at 866.889.9347.


Bankruptcy Counseling: Approved by the Executive Office for United States Trustees (EOUST) to provide credit counseling services and issue certificates in compliance with the bankruptcy code. Approval does not endorse or assure the quality of the Agency's services. EOUST regulations do not apply to residents of NC or AL.

Bankruptcy Education: Approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of a Provider’s services.

Debt Management Plans

A significant portion of MMI’s funding comes from voluntary contributions from creditors who participate in the DMP since they have a financial interest in being repaid debts owed to them. These contributions are usually calculated as a percentage of payments made through the program up to 15% of each payment received. However, accounts will be credited with 100% of the amount paid through MMI, minus any fees where allowed by law, and MMI will work with all of my creditors regardless of whether the creditor contributes to MMI.


Individuals appearing in media or marketing for MMI are paid a small honorarium proportionate to the amount of time they have devoted to sharing their testimonial.

Additional State Disclosures




The establishment of a DMP may adversely affect the individual's credit rating or credit scores, and nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation.


MMI’s NMLS Identifier Number: DANP-897900


The establishment of a DMP may adversely affect the individual's credit rating or credit scores, and nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation.


MMI does not lend money.


MMI does not lend money.


Licensed by the Office of the State Bank Commissioner of Kansas

License # CSO-0000011


The Commissioner of Financial Regulation for the State of Maryland will accept any questions and complaints from Maryland residents regarding Money Management International, Inc. Nationwide Multistate Licensing System (“NMLS”) Identifier Number #897900 at 1100 N. Eutaw Street, Suite 611, Baltimore, MD 21201, Phone: 1-888-784-0136. NMLS Consumer Access (


Licensed by the Department of Insurance and Financial Services
License #DM-0010567

Section 13

(1) When a licensee establishes a debt management plan for a debtor, the licensee may charge and receive an initial fee of $50.00.

(2) A licensee shall attempt to obtain consent to participate in a debt management plan from at least 51%, in number or dollar amount, of the debtor's creditors within 90 days after establishing the debt management plan. If the required consent is not actually received by the licensee, the licensee shall provide notice to the debtor of the lack of required consent and the debtor may, at its option, close the account. If the debtor decides to close the account, any unexpended funds shall be returned to the debtor or disbursed as directed by the debtor.

Section 14(1)
A contract between a licensee and debtor shall include all of the following:

a) Each creditor to which payments will be made and the amount owed each creditor. A licensee may rely on records of the debtor and other information available to it to determine the amount owed to a creditor.
b) The total amount of the licensee’s charges.
c) The beginning and termination dates of the contract.
d) The principal amount and approximate interest charges of the debtor’s obligations to be paid under the debt management plan.
e) The name and address of the licensee and of the debtor.
f) Any other provisions or disclosures that the director determines are necessary for the protection of the debtor and the proper conduct of business by a licensee.

Section 18
(1) In addition to the fee described in section 13(1), a licensee may charge a reasonable fee for providing debt management services under a debt management plan. The fee under this subsection shall not exceed 15% of the amount of the debt to be liquidated during the express term of the plan.

(2) A licensee may offer a debtor the option to purchase credit reports or educational materials and products, and charge a fee to the debtor if the debtor elects to purchase any of those items from the licensee. Fees charged under this subsection are not subject to the 15% limitation on fees described in subsection (1).

(3) Except for a cancellation described in subsection (4), in the event of cancellation of or default in the performance of the contract by the debtor before its successful completion, a licensee may collect $25.00 in addition to any fees and charges of the licensee previously received by the licensee. This $25.00 fee is not subject to the 15% limitation on fees and charges under subsection (1).

(4) A contract is in effect when it is signed by the licensee and the debtor and the debtor has made a payment of any amount to the licensee. The debtor has the right to cancel the contract until 12 midnight of the third business day after the first day the contract is in effect by delivering written notice of cancellation to the licensee. A cancellation described in this section is not subject to, and a licensee shall not collect, the fee described in subsection (3).

(5) If a debtor fails to make a payment of any amount to a licensee within 60 days after the date a payment is due under a contract, the licensee may, in its discretion, cancel the debt management contract if it determines that the plan is no longer suitable for the debtor, the debtor fails to affirmatively communicate to the licensee the debtor's desire to continue the plan, or the creditors of the debtor refuse to continue accepting payments under the plan.

(6) A licensee shall not contract for, receive, or charge a debtor an amount greater than authorized by this act. A person that violates this subsection, except as the result of an inadvertent clerical or computer error, shall return to the debtor the amount of the payments received from or on behalf of the debtor and not distributed to creditors, and, as a penalty, an amount equal to the amount overcharged.

Department of Insurance and Financial Services
530 W. Allegan Street, 7th Floor
Lansing, MI 48933
517.284.8800 or 877.999.6442 (toll-free)


Licensed Debt Management Service Provider.


The establishment of a DMP may make it harder for the individual to obtain credit.

New Jersey

Licensed by the New Jersey Department of Banking.

New York

Licensed by the New York State Department of Financial Services.


License #DM-80009

Rhode Island

The establishment of a DMP may adversely affect the individual's credit rating or credit scores, and nonpayment of debt may lead creditors to increase finance and other charges or undertake collection activity, including litigation.


The establishment of a DMP may make it harder for the individual to obtain credit. MMI is registered with the Division of Consumer Affairs as a debt management service provider.


The establishment of a DMP may make it harder for the individual to obtain credit.


Licensed in Vermont by the Department of Financial Regulation.


Licensed by the Virginia State Corporation Commission. License #DC-36

  • 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.