Real Clients, Real Success

Every client has a story. Setbacks. Hard work. Success. When you hear their stories you may be surprised at how much of yourself you see in their circumstances. No matter the differences, however, the end result is the same across every story - they decided to make a change and reached their goals as a result. You can do the same.

Financial Tips and Advice

We blog about all kinds of financial topics - from the psychology of spending to the simplest ways to cut costs. Browse our extensive backlog of educational articles.

  • Dreaming about your ideal home is all well and good, but if you ever want to make that dream a reality there are a few actual, proactive steps you should be taking to make yourself the kind of borrower lenders dream of working with.
  • If it’s true that nearly everyone has debts to repay, most of us are technically “in debt,” yet only some of us are described that way. The phrase “in debt” seems to be reserved for people who owe too much, but even that is hard to pinpoint. How much is too much?
  • If you've got a collection debt that's about to fall off of your credit report, is it worth paying it off (even if you can)? There are a few factors to consider. Here's what you need to know.
  • Some major debt collection rule changes will be going into effect on November 30, 2021. These updates include helpful protections for consumers, but also open the door for collectors to use email, text messages, and even social media in their attempts to collect on debts.
  • Rent payments with a credit card soared during 2020. While there were good reasons why tenants turned to plastic to get by during an especially challenging time, there are plenty of reasons why you should avoid charging your rent if you can help it.
  • The recent deep freeze in Texas left some residents with historically massive electric bills. If you find yourself stuck with an enormous utility bill as a result of a natural disaster, severe weather event, or smaller scale calamity, here are some of the initial steps you should take to protect your finances.
  • If you're co-signing on a loan, it's usually to help out a friend or family member who doesn't have the credit to qualify on their own. While the intentions are good, co-signing can go south quickly if the other borrower stops making payments. What are your options at that point? Can you be removed from the loan?
  • Credit card technology has taken a leap forward in the past decade-plus, with new features that make transactions faster and safer. But that doesn’t mean your cards won’t fail you at the most inconvenient time. So why do credit and debit cards stop working?
  • When a credit card, utility bill, or other debt goes unpaid long enough, it may end up being “charged off” by the lender. What exactly does that mean, and what does it mean for you? Here's everything you need to know about charged off accounts.
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The story of your success could be the inspiration that starts someone on their very own journey of financial improvement. Celebrate what you've accomplished and motivate others to do the same!
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  • 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.
  • 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.
  • 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.
  • 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.