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Customized Debt Plans for Financial Recovery

Getting out of debt is a lot cheaper and less scary than you thought. See how easy it can be with MMI.

GamFin powered by MoneyStackGamFin has partnered with Money Management International (MMI) to provide debt counseling and repayment support for individuals impacted by gambling-related challenges.  

MMI can help you deal with:

  • Credit card debt
  • Personal loan debt
  • Collection accounts
  • Financial stress related to debt repayment
  • Difficulty balancing debt payments and daily expenses

What you get

MMI specializes in creating customized debt solutions that fit your unique needs. That means we build a plan specifically around your goals, debts, expendable income, and more. 

By working with your creditors to negotiate lower interest rates and reduce balances (when appropriate), our clients:

  • Pay an average of $250 less per month
  • Get out of debt 7x faster than paying on their own
  • Improve their credit score by an average of over 80 points once their plan is successfully completed

How it works

Debt is stressful, so here’s where we start making your life easier.

  1. We save you time by pulling your credit report to create a list of debts
  2. You share what you know of your income and expenses
  3. We take all of that information and create a customized plan that saves you money and comes with an affordable monthly payment

If you like the plan, you start making a single, consolidated payment to MMI. Meanwhile, we begin working with your creditors to negotiate your repayment terms.

To get started, call our dedicated financial recovery line anytime, 24/7:

866-499-8771

All conversations are private and confidential. MMI's role is to help you address debt and financial challenges while supporting your long-term financial stability.

Frequently asked questions

Learn more about MMI and our services.

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.

How does MMI save people money?

We work with creditors to negotiate reduced interest rates and consolidate your credit cards into one affordable monthly payment. The average interest rate for accounts on an MMI repayment plan in 2025 was 7.66%.

Do I qualify for a repayment plan?

There are no credit requirements to start a repayment plan with MMI. As long as a repayment plan is in your best interests and helps you get out of debt, you qualify!

Will you talk to my creditors?

Working with MMI is completely confidential. We’ll only contact your creditors if you decide to start a debt repayment plan with MMI.

What costs and fees should I expect?

Our financial review is free. We may recommend one of our low-cost debt relief solutions, which typically include an initial set-up fee and an ongoing monthly fee. Actual fees are based on where you live and your debt level.

How soon will I be out of debt?

You could be debt-free in 24-48 months. Most DMPs are designed to be completed in five years or less. Reduced interest rates and easy single monthly payments allow you to get control of your debt much faster (7x faster!) than continuing to pay the minimum on your own.

Take the next step

Begin your free debt counseling session today and see what MMI can do for you. Worst case scenario: you learn a little more about your options. Best case scenario: you finally say goodbye to credit card debt for good.

Our next success story? You.

Description
MMI client Dia Ruocco and counselor Naomi Peden appear on Spotlight on America for a look at what’s driving America’s record debt.
Upload Date
20250303T182445Z
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MMI client Dia Ruocco and counselor Naomi Peden appear on Spotlight on America.
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MMI client Dia Ruocco and counselor Naomi Peden appear on Spotlight on America.
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PT3H6M
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/global/videos/dia-ruocco-spotlight-on-america

We’re honored to have been given the opportunity to change the lives of so many people for the better. But there’s always room for one more success story.

Check out these stories of people just like you who overcame huge amounts of debt and reached their goals with help from MMI.

Check out the podcasts
  • MMI is a proud member of the National Foundation for Credit Counseling (NFCC) 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.
  • Council on Accreditation - official seal 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.
  • 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.
  • 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.