Credit counseling agencies can help Kentucky individuals and offer them free debt assistance, information on mortgage programs, budgeting, as well as other support. While each location will offer their own services, some of the most common include debt consolidation, pre-bankruptcy filing advice, interest rate and fee reductions on credit cards. A focus of many non-profits is also on improving a consumers overall credit scores and ratings, and the non-profits also put the client on the path to financial stability.
The federal government has certified many of these companies, and some may also be HUD approved. This means that every counselor in Kentucky has had to go through intensive training and testing. Another benefit of this designation is that all advice and services offered are both confidential as well as affordable, if not free.
Each and every bill, personal or payday loan and debt obligation you have will be reviewed. The counselor will provide you with advice on the best steps to take. Some programs they may be able to offer to you include DMP, foreclosure prevention or mediation. In addition, a counselor will not hesitate to refer you to other resources or specialists if they think that is your best course of action.
Hope Southern Indiana also supports Kentucky families
Address is 1200 Bono Road, Brown-Starks Building
New Albany, IN 47150
Telephone number is (812) 948-9248
The non-profit provides free budget counseling to assist consumers in paying down debts, avoiding missed bill payments, resolving credit issues, establishing long term financial goals, or purchasing an automobile or home. The program was created as a collaboration of the Southern Indiana Asset Building Coalition/Making Change organization, with the goal of helping people achieve self-sufficiency over the long term.
Location is 2100 Gardiner Lane Ste 103A
Louisville, Kentucky 40205
Louisville Metro Community Action Partnership(CAP) - Jefferson County
810 Barrett Avenue
Louisville, Kentucky 40204
Main phone number is (502) 574-4377
A non-profit agency that offers a number of social services. Among them is a free or low cost financial literacy program designed to teach people basic money management skills, including how to improve credit scores. The non-profit also offers budgeting, banking, tips on spending wisely, investing and support in developing a savings plan.
Northern Kentucky Community Action Commission Carroll County Neighborhood Center
Address is 1302 Highland Avenue
Carrollton, KY 41008
Phone number (502) 732-5253
Kenton County Neighborhood Center
This is another local community action agency that can offer some basic credit and financial management classes and workshops.
Address is 315 East Fifteenth Street
Covington, KY 41011
Call (859) 291-8607 for information
Consumer Credit Counseling Service of the Midwest, Inc.
Address is 649 Charity Court Suite #15
Frankfort, Kentucky 40601
A second office is at 2265 Harrodsburg Road Suite 303, Lexington, KY 40504. Call 800-355-2227
Services are available in both English and Spanish. The non-profit focuses on helping families of all income levels in Kentucky with their credit card and/or medical debts. Clients can enter into a hardship program or debt management plan, among other solutions. There may also be referrals to low income and no credit loan programs, which help people avoid payday lenders.
Northern Kentucky Community Action Commission Pendleton County Neighborhood Center
Main office is at 311 Park Street
Falmouth, KY 41040
Telephone number is (859) 654-4054
Consumer Credit Counseling Service Of Greater Cincinnati and Florence Kentucky
11 Shelby Street
Florence, KY 41042
The non-profit covers all of Boone County. They offer budget and financial counseling, debt management programs, and more while trying to identify problem areas of the client's financial situation. Receive assistance with eliminating credit card debts, medical bills, and more. The location is also a HUD approved housing counseling agency for Kentucky homeowners.
Community Action Commission, Boone County Neighborhood Center
Main address - 7938 Tanners Gate
Florence, Kentucky 41042
Offers basic literacy and financial counseling.
A Debt Coach Credit Counseling Service, Inc.
71 Cavalier Blvd., Suite 224
Florence, Kentucky 41042
Marion phone number is 888-767-9155
Consumers can learn how to manage their finances. Whether it is information on repairing credit, or tips on find alternatives to payday loans, low cost or free advice is provided.
Consumer Credit Counseling Service of Huntington
Location: 2100 Winchester Avenue
Ashland, Kentucky 41101
Main phone number is 888-534-4387
Services include help in dealing with consumer debt, hospital bills, bankruptcy, and more. Find additional information and referrals on how to get debt help.
Office is at 799 Ann Street
Newport, KY 41071
Northern Kentucky Community Action Commission, Campbell County location
437 West 9th Street
Newport, KY 41071
Main number is (859) 431-4177
Specialists from this organization provide money management debt services and counselors will also work with consumers to reduce the incidence of bankruptcy. The support will help them get back on track with paying bills and reducing debts, and they offer much more.
Owen County Neighborhood Center
Address is 109 South Madison Street
Owenton, Kentucky 40359
Call the agency at (502) 484-2116
Northern Kentucky Neighborhood Center
Address: 432 West Main Street
Warsaw, KY 41095
Main phone - (859) 567-4660
Grant County Neighborhood Center
Main address is 134 North Main Street
Williamstown, Kentucky 41097
The location offers individual or group counseling sessions on issues regarding credit management, personal finances, and budgeting.
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