LOG IN BLOG COVID-19 LOCATIONS ESPAÑOL CONTACT US 866-889-9347 DEBT RELIEF COUNSELING SERVICES FINANCIAL EDUCATION Credit Counseling Services Simple, judgment-free solutions to debt, credit, and budget problems. WHAT IS CREDIT COUNSELING? Credit counseling is a service designed to help consumers find solutions to common financial challenges. Alternatively known as consumer credit counseling, debt counseling, and debt & budget counseling, these confidential conversations can help you learn how to manage overwhelming debt, poor credit, budget deficits and more. MMI is a nonprofit credit counseling and financial education company with NFCC-certified counselors. We take the time to thoroughly review your budget, discuss your concerns, and provide specific advice on how to reach your unique goals. Best of all, we offer counseling for free, 24/7. WHAT CAN CREDIT COUNSELING DO FOR ME Credit counseling from MMI is all about breaking free from the cycle of crushing debt and ever-increasing expenses. We understand that complicated problems require personalized solutions, which is why our counselors work so hard to make sure that our clients are heard and understood. As part of this confidential conversation, we’ll discuss ways to help you save money, find relief from credit debt, and start working toward your top financial goals. You’ll leave your free session with an action plan, access to valuable resources, and — if it’s right for you — the opportunity to save money and accelerate your debt repayment with a debt management plan. DO I NEED CREDIT COUNSELING? Anyone can benefit from a free consultation with a credit counselor, but it’s especially valuable for those who struggle to manage their monthly financial obligations. Ask yourself the following questions: Are you worried about your ability to pay one or more upcoming bills? Does it feel like you’re never going to be out of debt? Have you gone through a major life change (job loss, divorce, etc.) and aren’t sure how to make ends meet? Have you begun to miss payments? If you answered “Yes” to any of these questions, credit counseling from MMI is an excellent, obligation-free way to start finding real, lasting relief. Credit counselors available 24/7 Start the conversation and get the support you deserve. 866-850-4894 HOW DOES CREDIT COUNSELING WORK? Play YouTube Video Counseling from MMI is a great way to step back and get real clarity on your financial situation. During your session, we’ll review your income, expenses, and debts in detail to create a complete picture of where your money is going. It's helpful to have your most recent bills and statements on hand. Next, we discuss your goals and long-term financial plans. We provide unbiased suggestions and resources designed to help you reach those goals. Our objective is to give you the support and practical advice you need to make lifelong changes to your financial outlook. The initial counseling session usually takes less than an hour and can be completed online, over the phone, and in-person in select locations. We can help you revise or create a budget, or get help managing existing debt. WHY CHOOSE CREDIT COUNSELING FROM MMI? MMI is one of the nation’s leading providers of nonprofit credit counseling and financial education services. We have over 60 years of history and experience helping people overcome financial challenges and start making real progress toward their goals. But more than anything, our counseling is effective — if you come to us with a financial problem, we will help you find the right solution. INSTANT STRESS RELIEF Nearly 80% of MMI clients report an immediate decrease in stress just after that one session. Read our client reviews to see more stories of instant relief. IMPROVED CREDIT SCORE Counseled clients have seen their credit scores increase by an average of over 30 points. For clients on a DMP that number is even higher. SAVE MONEY AND PAY OFF DEBT Beyond money-saving budget tips, clients can save significantly by starting a DMP with MMI, where the average interest rate is below 7%. CREDIT COUNSELING FAQS Questions about the credit counseling process? We’ve got answers. Does credit counseling cost anything? What does a credit counselor do? What do I need to bring to my credit counseling session? Will you talk to my creditors? How do I start a credit counseling session? More questions? BEGIN YOUR FREE CREDIT COUNSELING SESSION Ready to break free from the cycle of overwhelming debt and financial uncertainty? We can make it happen. Relief is just a call or click away! GIVE US A CALL Counselors are here to take your call, 24/7. 866-850-4894 BEGIN ONLINE Enter basic financial info and get personalized advice. GET STARTED LEARN ABOUT DEBT MANAGEMENT PLANS See how much you can save with a DMP. LEARN MORE Connect With Us MMI on Facebook MMI on Twitter MMI on YouTube MMI on Instagram MMI on LinkedIn About MMI Newsroom Careers Reviews Partnerships Licenses & Disclosures Privacy & Usage Agreement Sitemap © 2021 Money Management International 12603 Southwest Freeway, Suite 450, Stafford, TX 77477 Money Management International d/b/a Clearpoint Credit Counseling Solutions is a 501(c)(3) nonprofit organization. We do not lend money.