If you need help eliminating debt and live in Utah, then several non-profit credit counseling agencies may be able to assist. The organizations provide families with a number of resources, some of which may be provided for free or little cost to income qualified individuals. Examples of services available in Utah include debt management plans, mortgage delinquency counseling, bankruptcy advice, and medical debt reduction programs.
A counselor will meet with you, either in person or over the phone. Together you will review your financial situation, including analyzing your income, expenses, and create a budget. If qualified, the counselor may sign you up for assistance programs such as a low cost debt management plan, foreclosure counseling, or mediation services. Many of the Utah non-profit center are HUD approved housing counselors as well as government certified credit counseling organizations. They offer a multitude of services to those who are struggling and need help.
In addition to dealing with the immediate crisis of unpaid bills, many will offer more long term self-sufficiency type programs, including budgeting, education workshops and classes. So talk to a counselor and sign up for consolidation, help them negotiate your unpaid debts and bills, work with them on reducing interest rates, and more. All of these programs can help consumers and homeowners in Utah get back on track with their finances and also even improve their credit scores.
Globous Financial Relief
Main office is at 1775 West 1500 South
Salt Lake City, Utah 84104
Phone number is 801-977-0555
Consumer Credit Counseling Service
Address: 720 South River Road Ste C235B
Saint George, UT 84770
Telephone number - (435) 986-9223
One of the key programs they offer is a Debt Management Plan, or DMP. This is a voluntary program to assist with repayment of credit card debts, medical bills, loans, and more. It is a great tool for eliminating so called unsecured debts as well. While the process does take time, if you stick to the terms of it a client can repay most or all of their outstanding debts in anywhere from 36 to 60 months. Other programs offered include Financial and Housing Counseling; Pre-Bankruptcy Advice; and Mortgage/Foreclosure help.
USU Family Life Center
493 North 700 East
Logan, UT 84321
Primary phone number is (435) 797-7224
American Credit Foundation
Location of office is 7720 South 700 East
Midvale, UT 84047
Services and resources available at this not for profit include Financial Consumer Credit Counseling, Free Foreclosure Prevention Counseling, and Credit Education.
The consolidation loans this organization administers will allow individuals who are having trouble meeting their existing obligations to take out a new loan at a lower interest rate, and this new loan is what is used to pay off one or more existing debts. This both simplifies their bill paying process, and helps individuals save money.
Community Development Corporation Of Utah
Main address: 501 East 1700 South
Salt Lake City, UT 84105
Main number is (801) 994-7222
A number of housing and mortgage assistance programs are offered at this Utah organization. Programs can provide help to homeowners who are unable to pay their mortgage on their own, and/or who are at risk of losing their homes to a formal foreclosure filing.
Some of the free or low cost services provided by this HUD approved agency include information about the legal timelines, details on the foreclosure process, and the counselor can even contact and negotiate with a lender on your behalf. Housing counselors can offer in-depth financial counseling regarding foreclosure avoidance options and referrals as needed.
AAA Fair Credit Foundation
Office address is 230 West 200 South Ste 3104
Salt Lake City, UT 84101
BYU Counseling And Career Center
Provo, Utah 84602
Main number to call for information is (801) 422-3035
Offers some fairly basic credit counseling, repair, and similar programs. Specialists can also help people find a new job, gain new skills, offer career advice, and direct people to local job training.
American Credit Foundation
7720 South 700 East
Midvale, Utah 84047
Telephone - (801) 208-1000
Programs that are offered can help people of all income and backgrounds who are having difficulty paying their monthly bills gain control of their finances, eliminate debts, and more.
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