Debt Repayment Tools and Services | Money Management International

Debt Repayment simplified

A debt management plan (DMP) is debt consolidation without a loan, with reduced creditor interest rates and a budget-friendly monthly payment.
Unlike debt settlement, creditors are paid every month, and debts are paid in full, helping to rebuild credit.
No credit requirements to begin; can be cancelled at any time. Ideal for anyone struggling to keep up with creditor payments.
Call today to begin your free, no-strings-attached financial review.

If balancing your finances feels like a game you just can't win, it may be time for a new approach. At MMI, we empower consumers to overcome their unique financial challenges through one-on-one counseling and effective debt repayment tools.

Don't go it alone

Credit card debt can be hard to shake on your own. Let our trained team give you the support and guidance you need to master your monthly budget and shed debt in the process. How does it work?

It all starts by understanding your situation. Together we review your finances to see if a debt management plan makes sense for you.

We create a plan that suits you. Sometimes getting out of debt can be a steep hill to climb. But if you’re willing to work hard, we can give you a game plan that helps you keep living your life while making steady progress on your debt.

We work with your creditors. Most major creditors offer lower interest rates and other benefits for repaying through a DMP, making it much easier to get out of debt in a reasonable amount of time.

You make one payment a month. You make one payment to MMI every month, and we pay your creditors on your behalf. Most DMPs are completed in 3 to 5 years.

This could be the step that changes everything

You don't have to accept being financially uncomfortable. If your debt is a burden, do something about it!

It all begins with a free financial consultation with a certified credit counselor. Your financial review is confidential and most of the work can be completed online, at your own pace. Take the next step and create a fresh start for yourself.

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?

Services are available in English and Spanish. Additional languages are available via an interpreter service.

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.

Is this the same thing as a consolidation loan?

A debt management plan is not a loan. You simply make a single payment each month which is dispersed to all your creditors. You will continue to receive monthly statements from each of your 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.

Ready to take the next step toward repaying your debt? Connect with us online or via phone to get started.

Begin online debt analysis

See how much you can save by consolidating your debt with MMI.

Take the next step

Call MMI to start your debt management plan.

Begin on the phone

Give us a call and we will walk you through the process.

866-889-9347

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

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

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

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

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

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.

Debt repayment that fits your budget