Welcome to MMI!

Don’t worry—you didn’t click the wrong link.

If you’ve reached this page, chances are good that you were trying to connect with CCCS of Maryland and Delaware (formerly Guidewell Financial Solutions). On October 31, 2023, CCCSMD merged with Money Management International (MMI), the largest nonprofit financial education and counseling organization in the United States, 

Here to serve you

MMI is proud to provide a wide range of solutions to everyday financial challenges, from overwhelming credit card debt, to a delinquent mortgage, to recovering from natural disasters, and more.

We have representatives available 24/7 to take your call or answer your questions. We also offer an enormous selection of educational content right here on MoneyManagement.org.  

If you need help overcoming your challenges, our team is ready to serve.


Listed below are some of the most common questions we get asked. If you can't find the answer to a question you have or you would like to know more details, please use the Contact Us page to submit your question.

Who is MMI?

Who is MMI?

MMI (Money Management International) is the nation's largest nonprofit credit counseling agency. For over 60 years, our goal has been to change how America overcomes financial challenges through coaching, innovative programs, and consumer advocacy.
Is there a cost to use your services?

Is there a cost to use your services?

Most counseling and education is provided at no cost. We have a few select low-cost services and there are fees associated with using our debt management plan. However, you may be eligible for reduced or waived fees. Ask your counselor for more details.

Are services available in Spanish?

Are services available in Spanish?

MMI offers services in Spanish and English.Services are available in English and Spanish. Additional languages are available via an interpreter service.
How do I begin?

How do I begin?

Assistance is available 24 hours a day, seven days a week. Simply click here to get started or give us a call at 866.889.9347. We look forward to helping!
Will you talk to my creditors?

Will you talk to my creditors?

All of our counseling sessions are completely confidential. We don’t report anything to credit bureaus, individual creditors, or other parties without permission. We will only contact your creditors if you decide to begin a DMP, in order to set up your repayment plan.
Can you help me repair my credit?

Can you help me repair my credit?

MMI is not a credit repair service. We offer advice and educational materials to help you build a positive credit history. Following this advice may result in a significant improvement in your credit score over time.

Your success means everything to us
  • "I'm beyond satisfied with the service I have received from MMI. Even though I was embarrassed about my situation, your reps never made me feel badly about myself and they made me feel confident that I would reach my goal. Thank you!"
  • "Prior to making my first phone call to MMI I was very skeptical, but after talking to the representative I knew that this is what I truly needed to do. It is definitely a life changing program and without the use of any credit cards you have to face the fact that if you can't afford something you save up for it or you just don t buy it."
  • "Great support for your financial management. Money Management helps to get your credit back on track."
  • "I had over $24,000 in credit card debt and was paying over $900 per month and drowning. My adviser at MMI helped me lower the payment and come up with a plan that helped me get rid of that debt. It took just over 3 years, but I did it! I have NO credit cards and have managed to not incur any more debt, even at Christmas with four teenagers! My credit took a bit of a hit, but it bounced back and I have had a score over 800 for the last 2 years. It was a long road, and difficult at times. But I know for sure that I would still be paying off those credit cards if not for the help I got from MMI. My advice: just do it!"
  • "MMI customer service is amazing. They are very caring and helpful. We would recommend them to anyone who needs financial counseling."
  • "Everyone that I have talked to has been wonderful thus far! This has been a very easy & pleasant experience. MMI has taken a big part of my stress away!! Thank you so much."
  • 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.