Credit counseling agencies and debt counselors in Chicago.
Learn about non-profit credit counseling services available in the Chicago IL area, with many of the programs offered for free to income qualified people. Residents can get help with reducing their debt(s) (credit cards, medical, etc.) as well as help with a home loan, credit repair services and more. Find where to get free debt and credit counseling in your area of Chicago or even online - over the phone.
In addition to help people with “everyday” debt and financial obligations, most of the organizations are also HUD certified housing counselors. Some of the programs and resources offered by the Chicago non-profit credit and housing counselors include the following. Call a location in your area of Cook County or even a national non-profit (as listed below) to learn more, or to apply for help. Services typically offered include.
- Debt and budget counseling, which assist individuals who are no longer able to manage their medical debt, credit cards, car loans or other obligations. This may include signing up for a debt management plan to lower interest rates, reduce fees, and more.
- Negotiation and mediation - A non-profit counselor will make arrangements with creditors and your bank for payment plans. Some negotiations may be entered into directly by the counselor.
- Access to HUD approved housing counseling. This is offered to homeowners in Chicago to help them avoid a foreclosure and help them get back on track with paying their mortgage.
- Other programs offered by non-profit credit counselors in Chicago and Cook County are wide ranging. There is bankruptcy counseling, free financial literacy courses and various other types of debt relief on a case by case basis.
Where to get help with debt and financial obligations in Cook County
Agora Community Services Corporation
1831 E 79th St, Chicago, IL 60649. Main phone: (773) 483-3888
The non-profit will help people improve their financial situation from budgeting. The organizations also offers credit repair, debt consolidation programs, and advice on state of Illinois government mortgage assistance programs.
MoneySharp Credit Counseling Inc.
Address is 203 N La Salle St, Chicago, IL 60601. Dial 866-200-6825
Various services are offered by this non-profit. Staff can refer low-income Chicago families to programs that may help negotiate/pay down medical bills. They also provide people details on credit card hardship plans, and more. There are also workshops on if/when to file for bankruptcy and help with the process.
Bethel New Life, Inc. - True Love Christian Church
1150 N Lamon Ave, Chicago, IL 60651. Main phone: (773) 473-7870
Financial Wellness is provided to people in the west side of Chicago from the non-profit. Housing programs are also a focus and include default resolution counseling services are provided. There are also programs that help people budget, understand their finances and provide other support.
Brighton Park Neighborhood Council
Main office location - 4477 S. Archer Avenue, Chicago, Illinois 60632. Phone: 773-523-7110
A HUD approved housing agency. In addition to helping people with home loans a holistic approach is taken around debt management, credit repair and other needs.
Money Management International Chicago Downtown
401 North Michigan Ave., Chicago, IL 60611. Primary phone number - 866-889-9347 or 866-232-9080
This is the local branch of the national credit counseling agency. Sign up for debt management plans to help reduce credit card debts. They also offer foreclosure prevention to Chicago homeowners. Other services include help filing bankruptcy, student loan counseling services and other online services.
United Way - Chicago
A free database can help people in Cook County find organizations that offer “Money Management”. This range from a list of debt counselors to phone consultations, tips on refinancing loans (auto, title, etc.) and other resources are arranged too, with details here. https://211metrochicago.org/search-for-resources/?external_category=MON.
Chicago Urban League
4510 South Michigan Avenue, Chicago, Illinois 60653-3898. Phone: 773-285-1500 or (773) 285-5800
Offers a number of assistance programs, including information on low-cost housing and job training In addition, they can provide some credit counseling, information on foreclosure prevention programs, and other forms of budgeting advice. Residents of all backgrounds and cultures can be assisted.
Chinese American Service League
Location - 2141 Tan Ct, Chicago, Illinois 60616. Telephone: 312-791-0418
Community And Economic Development Association Of Cook County Inc.
4477 S Archer Ave, Chicago, IL 60632. Main office phone number is 800-571-2332
Some of the services run from the government office include financial management classes and budget counseling. For people looking to buy a home, access pre-purchase homebuyer education workshops. Also stop by for classes on how to negotiate credit card debt with lenders. The location is also federal government HUD certified, and much of the advice is free to income qualified clients.
Genesis Housing Development Corporation
7735 S Vernon Ave, Chicago, IL 60619.Call 773-994-6670 to make an appointment.
ACC - American Consumer Credit Counseling
The local Chicago office, which also provides in person or phone consults, is at 875 N Michigan Ave #3100, Chicago, IL 60611. The main phone is (312) 373-3711
Confidential debt reduction and credit repair programs are offered with a focus on helping people improve their FICO scores. This is a non-profit organization too - one of the nation’s largest. Some services are offered at no cost to low to moderate income clients. Debt management plans, workshops, one on one sessions, and other support is offered by highly trained credit counselors.
WCA Evanston/North Shore
Address is 1215 Church Street, Evanston, IL 60201. Call (847) 864-8445
The main program is known as Basic Money Management for Women. They help people develop a budget, save money and in general improve their financial future. Credit building loans, classes on negotiating debt and much more is arranged.
Greater Southwest Development Corporation
6155 S. Pulaski, Chicago, Illinois 60629. Main number - 773-735-6727
Get information on reverse mortgage and counseling focused on seniors. There is also information on consumer debt reduction and consolidation programs as well as general advice on getting back on track with finances.
HCP Of Illinois, Inc.
228 S. Wabash, Chicago, IL 60604. The downtown office is at (312) 386-1009 or try Southside at (773) 451-0203
A HUD certified non-profit housing counseling agency. Programs include foreclosure default counseling, education workshops and credit repair for would be home buyers. Some programs around housing may be free for income qualified clients.
Chicago Area Project
55 East Jackson Boulevard, Chicago, IL 60604. Referrals are needed from DHS and dial 312-663-3574
They offer financial wellness that helps people develop everyday, practical money management skills.
Kingdom Community, Inc. - Zoe Life Ministries International
5151 West Madison, Chicago, Illinois 60644. Primary phone number - 773-379-0077 or (773) 854-1092
A number of housing programs are provided from the faith based credit counseling agency. Also get advice on reducing credit card, medical debts, and getting back on track with paying other bills.
Latin United Community Housing Association
Stop by the office at 1152 N Christiana Ave, Chicago, IL 60651. For intake dial (773) 489-8484
Legal Aid of Chicago
Address: 120 S LaSalle St, Chicago, IL 60603. The phone number is (312) 341-1070
Low-income families may qualify for free legal advice and representation. They can get help around housing needs, legal aid in addressing illegal debt collection calls and other forms of free legal aid. They also offer a Bankruptcy Help Desk.
NACA (Neighborhood Assistance Corporation Of America) - Chicago location
4425 W 63rd St, Chicago, IL 60629. Main phone (773) 723-6222
Strictly focus on saving homes and helping people pay mortgages or even property taxes. They can help homeowners with reducing interest rates, discussion options such as Short-Sales and helping with other fees. Clients can also learn about federal government mortgage relief programs.
Hope Center
Location is 710 E 47th St, Chicago, IL 60653. Dial (773) 285-1100
The program is known as Money Works Financial Literacy.
Chicago Area Project
55 East Jackson Boulevard, Chicago, IL 60604. Referrals are needed from DHS and dial 312-663-3574
They offer financial wellness that helps people develop everyday, practical money management skills.
GreenPath Financial Wellness
20 N. Upper Wacker Drive, Chicago IL 60606. Call 833-997-1722
One of the nation’s leading non-profit credit counseling agencies. This is the local Chicago office. Services provided, some of which are free, include debt management plans with all credit card companies - Chase, BofA and others. They also offer credit repair services, advice on when to file bankruptcy, and the non-profit is also a HUD approved housing counseling.
Near Westside Community Development Corporation
216 S Hoyne Ave, Chicago, IL 60612. Call 312-733-9403
Mostly housing and mortgage assistance programs are offered. Examples include home loan and mortgage delinquency counseling. They help lower income families in the form of pre-purchase advice and information on loan programs may also be provided to first time homeowners.
New Christian Joy Full Gospel Baptist Church
11594 S. State Street, Chicago, Illinois 60628. Telephone - (773) 468-2129
The Christian faith based charity helps people in debt, no matter the type. Whether negotiate payment plans with creditors or general financial wellness workshops or something else, assistance is provided. In addition, learn the pros and cons of filing bankruptcy state of Illinois laws and regulations, and get details of when filing for bankruptcy may be your best option.
NID Housing Counseling Agency
8543 S Stony Island Ave, Chicago, IL 60617. Phone: (773) 375-8253
Programs administered: financial, budgeting and credit repair workshops, debt reduction, financial management, and resolving and/or preventing mortgage delinquency workshops.
Center for Changing Lives
1955 N St Louis Ave #101, Chicago, IL 60647. Main phone: (773) 342-6210
The non-profit will provide financial coaches to clients. They will partner with people on all aspects of overall financial wellness - building credit, investing, starting emergency savings and so much more.
Northside Community Development Corporation
The office is at 1530 W Morse Ave, Chicago, IL 60626. Call (773) 262-2290
Many programs are offered. Some fairly unique to this non-profit include predatory lending education workshops for people with questionable subprime loans,. They also operate some resources on home improvement in Chicago.
Spanish Coalition For Housing
1922 N Pulaski Rd, Chicago, IL 60639. Dial (773) 342-7575
A HUD certified non-profit housing counseling agency. Programs, including offered in Spanish, include foreclosure default counseling in Chicago. They also offer general financial education workshops, budgeting counseling, and credit repair including to immigrants Some programs around housing may be free for income qualified clients.
Family Credit Management
111 N. Wabash Avenue, Chicago, IL 60602. Cal 877-322-8319
Meet for a confidential one-on-one session. Counselor can help you directly negotiate any outstanding debt with your creditors, with a credit card company, title loan organization or auto lender. Get lower interest rates, reduced fees, and save money on credit card and other bills.
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