Financial distress comes in many shapes and sizes and no one service can address the needs of all consumers. That's why MMI offers a wide range of counseling services in order to address some of the most common and troubling issues consumers face today.
Also know as debt and budget counseling, credit counseling is MMI's core service offering. Credit counseling is ideal for any consumer struggling with credit card debt, insufficient income, or overspending. Credit counseling is always free and is available 24 hours a day, seven days a week.
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Debt Management Plans
A debt management plan (or DMP) is a structured repayment plan ideal for consumers with more credit card debt than they can comfortably handle. We work with your creditors to seek reduced monthly payments and interest rates. Debts are paid in full, usually within less than five years.
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For consumers facing foreclosure or simply concerned about their ability to continue making their current mortgage payments, we offer one on one foreclosure counseling. Consumers discover what options are available and are connected with their lenders to begin the process of rehabilitation if needed.
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Buying your first home is a big deal. To make sure you start off on the right foot, we offer homebuyer counseling to any consumer at any stage of their home buying journey. We'll teach you everything you need to know about buying, maintaining, and successfully staying in your dream home.
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Credit Report Reviews
Your credit is something you should never leave up to chance. If you have questions or concerns about your credit report or credit score, we have answers. Our trained experts can help you understand what's on your credit report and what you can do to improve your credit health.
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Reverse Mortgage Counseling
A Home Equity Conversion Mortgage, otherwise known as a HECM or reverse mortgage, turns your home's equity into income. This can be a blessing for a retiree with limited funds, but there are risks involved. Our reverse mortgage counseling will educate you on all the pros and cons of this product.
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Student Loan Counseling
Student loan counseling is an incredibly helpful tool for student loan borrowers who have run out of deferment options, fallen behind on their payments, or simply want to know their options.
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Post-Disaster Financial Recovery
Natural disasters cause damage to communities, property, and finances. Recovery is expensive and time-consuming, but Project Porchlight can help accelerate your recovery and make the experience manageable. Best of all, for a limited time, disaster survivors can receive it completely free of charge.
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Bankruptcy Counseling and Education
If you are considering bankruptcy or have already begun the process, MMI offers the pre-bankruptcy counseling and pre-discharge education services required to complete your filing.