Credit counseling and debt counselors in Alabama.
Families in Alabama who are struggling with paying their credit card or medical bills, who are facing a foreclosure, or who need free or low-cost debt reduction services should look into the services from a non-profit credit counseling agency. Several non-profits, as listed below either operate in AL or they offer free phone consultations. Find details on free debt or credit counselors in Alabama that help consumers.
In addition to programs such as DMP, the organizations can work with consumers to increase financial literacy, provide individual credit counseling, and much more. There are also personal financial management instruction courses around investing and saving for retirement. The Alabama credit counseling agencies also give consumers access to a specialist who can work directly with lenders, banks, and provide refinancing on credit card company debt 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.
Where to find free credit or debt counselors in Alabama
Eufaula Housing Authority
Address - 830 S Randolph Ave, Eufaula, AL 36027. Phone number (334) 687-2451
The HUD approved organization helps with credit needs, including through a Homeownership Program. The non-profit 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 on understanding credit reports based on the "Neighbor Works America" curriculum.
Gateway
Address: 1401 South 20th Street, Birmingham, Alabama 35205. Call (205) 251-1572 for information on their Debt Relief Clearinghouse.
The Alabama agency is faith based on the credit and debt counseling services they provide. Whether a client needs help with credit card, medical debt or predatory loans (title, payday, etc.) staff will help.
Housing Authority Jefferson County
Location - 3700 Industrial Parkway, Birmingham, AL 35217. Call (205) 849-0123 for service/intake
HUD counseling is arranged, which also help people with budgeting.
Federally approved - Department of Justice Counseling
Believe it or not, DOJ (the federal government Department of Justice) tracks approved non-profit credit counseling agencies. They ensure legitimate debt eduction services are provided with no fraud and/or scams and find a list of approved agencies here https://www.justice.gov/ust/credit-counseling-by-state/Alabama.
Incharge Debt Solutions
Phone (800) 565-8953
While based in FL, they also help people in Alabama. The non-profit Credit Counseling Service provides seminars and community workshops, including online. Get help on topics ranging from budgeting, money management, debt management plans, wise use of credit and other topics of 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. They also offer free phone consultations to people in Alabama to help them deal with consumer debt.
Fayette County Community Action - Community Service Programs
Address - 1600 Temple Ave N, Fayette, AL 35555. Telephone - (205) 932-3218
Grant money to pay bills as well as credit counseling is offered. The non-profit offers foreclosure prevention services as well as information on public and private mortgage assistance programs.
Neighborhood Housing Services Of Birmingham Inc.
601 19th Street N, Birmingham, AL 35203. Main number is - (205) 328-4292
Consumer Credit Counseling Services
Main address - 705 Oak Cir Dr E, Mobile, AL 36609. Phone (251) 602-0011
One program from this non-profit is a low-cost debt management plan, or DMP. The resource is a service for people who are in serious debt and who may be facing bankruptcy, garnishments, 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 over time.
- Another CCCS office is at 701 Andrew Jackson Way, Huntsville 35801. Call 256-881-1000
Lifelines Counseling Services
705 Oak Circle Drive East, Mobile, AL 36609. Call (251) 602-0011
A free credit counseling service is offered, with a focus on low-income families as well as single moms in Alabama.
Family Services Center
520 Madison St SE, Huntsville, AL 35801. Call (256) 551-1610
Programs range from LIFT credit and housing counseling to homeownership advice. The non-profit helps people start or rebuild credit, they offer debt reduction programs and other support.
MMI (Money Management International) of Alabama
Call 866-889-9347
Free phone consultations are offered to income qualified households. The nearest offices are in FL and GA, but online credit and debt counselors from the non-profit provide help. Get assistance with car loans (including refi), DMP or settlement plans, interest rate reductions and other support.
The Cornerstone Initiative
Location is 2702 Holmes Ave NW, Huntsville, AL 35816. Call (256) 694-5393
Provides the following services, most of which are part of a free multiple week course. Get 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 and they also provide other tips on how to get debt help.
Community Service Programs Of West Alabama
Counseling is offered at 601 Black Bears Way, Tuscaloosa, AL 35401. Phone number is (205) 752-5429
Support is for clients who need guidance and answers on how to avoid foreclosure and resolve mortgage troubles. They also offer general budgeting and financial literary advice.
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