How it works

We get you on the path to your debt-free date in three easy steps:

1. Create a secure online account and tell us about your debts, income, and expenses. You can save your work and complete it on your schedule. We can even pull some data from your credit report to save you time. The entire process is safe, secure, confidential, and convenient.


2. A counselor will analyze your information and provide money-saving recommendations, a personalized budget plan, and an estimated debt management plan (DMP) that includes monthly payment and total savings. Counselors are available by chat, email, and phone and can customize your plan beyond the initial estimate.


3. If a debt management plan is right for you, MMI will negotiate with your creditors to reduce your interest rates and minimum monthly payments. On average, MMI DMP clients have a combined interest rate of approximately 7% (down from 24%) and pay off their debt in 4 years or less.

What do you need?

It’s helpful to have recent utility bills, credit card bills, bank statements, and any other monthly statements on hand. If you don’t have those you can give us your best estimation. The more accurate the information, the more we can help.

Let’s get started

Becoming debt-free isn’t impossible, though it may feel like it is. Partner with MMI on this journey and we can guide you every step of the way. The sooner you start, the faster you’ll reach the finish line. Let’s take the first step today.