Families in Alabama who are struggling with paying their mortgage, who are facing a foreclosure, or who need debt reduction services should look into the services from a non-profit credit counseling agency. Several non-profits can work with consumers to increase financial literacy, provide individual credit and foreclosure counseling, and much more. Many of the programs offered by the credit counseling agencies are free to qualified consumers.
Some examples of the services available in Alabama include reverse mortgage counseling, budget counseling, pre-file bankruptcy counseling, debt management programs, pre-discharge personal financial management instruction courses, credit counseling, foreclosure counseling, new homebuyer counseling, credit report reviews, mediation, and ways to improve credit scores.
Many of the non-profits will also provide homeowners and consumers with access to a specialist who can work directly with lenders, banks, and credit card companies on the client’s behalf. The specialist will try to get fees waived, reduce interest rates, and try various approaches to improving someone’s overall financial health and condition.
Eufaula Housing Authority
Address - 737 South Orange Avenue
Eufaula, Alabama 36027
Phone number (334) 687-2451
The Dream Come True Homeownership Program will deal with people who want to buy a home, or save one from a foreclosure. This program provides one-on-one pre-home purchase counseling, homebuyers education classes, money management, and will give advice and support on understanding credit reports based on the "Neighbor Works America" curriculum.
Consumer Credit Counseling Services
Statewide phone number is (800) 662-6119
Address: 1401 South 20th Street
Birmingham, Alabama 35205
Call (205) 251-1572 for information on their Debt Relief Clearinghouse
Consumer Credit Counseling Service
2731 Ross Clark Circle Suite 7
Dothan, AL 36301
Dial toll free (800) 662-6119 or (334) 712-1992 for service
The non-profit Credit Counseling Service provides seminars and community workshops on budgeting, money management, debt management plans, wise use of credit and other topics of interest and financial management. The free or low cost community education programs are available to anyone including larger organizations such as community groups, churches, or local Alabama companies who are concerned about their employees and want to provide help.
Housing Authority Jefferson County
Location - 3700 Industrial Parkway
Birmingham, AL 35217
Call (205) 849-0123 for Service/intake
Incharge Debt Solutions
Phone (800) 565-8953
Fayette Community Service Programs
Address - 316 2nd Avenue NE
Fayette, Alabama 35555
Telephone - (205) 932-3218
Offers foreclosure prevention services and counseling, as well as information on public and private mortgage assistance programs.
Neighborhood Housing Services Of Birmingham Inc.
601 19th Street N
Birmingham, AL 35203
Administrative number - (205) 328-4292
Consumer Credit Counseling Services
Main address - 500 Wynn Drive Suite 522
Huntsville, AL 35816
Phone - (256) 881-1000
One program from this non-profit is Voluntary Debt Management. The resource is a service for people who are in serious debt and who may be facing bankruptcy, garnishments, evictions, or repossession of goods such as cars. Clients who participate in this credit assistance program will need to agree voluntarily to deposit funds with Consumer Credit Counseling Service. Then what will happen is those funds will then be disbursed monthly to their creditors, such as a mortgage servicer or credit card company.
Lifelines Counseling Services
705 Oak Circle Drive East
Mobile, AL 36609
Call (888) 880-1416 Toll Free Consumer Credit Counseling or (251) 602-0011
Family Services Center
600 St. Clair Ave Bldg 3
Huntsville, Al 35801
Consumer Credit Counseling Service Of Alabama, Inc.
Farmer-Wilson Building 640 South Lawrence Street, Suite 101
Montgomery, Alabama 36104-5075
Provides the following services, including bankruptcy counseling, help with credit card bills, and more. Also budget counseling is offered, which is a preventative service for people who are not seriously in debt, but who need help in money management skills and budgeting. Learn more on ways to get debt help.
Second Chance Helping Hands Program
1011 Oster Drive
Huntsville, Alabama 35816
(256) 690-4165 Administrative
National Foundation For Credit Counseling
Community Service Programs Of West Alabama
Housing Counseling is offered at 601 17th Street
Tuscaloosa, Alabama 35401
Phone number is (205) 752-5429
One service is The Mortgage HOPE Crisis Hotline (MHCH), which was created as a response to the nations and state of Alabama’s growing subprime mortgage meltdown. The hotline provides free services and advice via telephone to homeowners and individuals who need guidance and answers on how to avoid foreclosure and resolve mortgage troubles. The hotline is staffed by HUD-certified foreclosure prevention counselors and home ownership specialists. All representatives are fully certified in the area of money management and consumer credit by the Institute for Financial Literacy’s Center for Financial Certifications.
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