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Credit counseling Tennessee.

If you need credit counseling, debt help, or housing assistance in Tennessee then find a listing of non-profit agencies that operate in the state. A number of different non-profit organizations administer several programs and resources for individuals. Any assistance or advice provided to a customer is confidential, and many services are free or offered for a nominal fee to clients.

Call a location near you in Tennessee to get specifics on the programs that they run. However, some examples of the services offered by credit counselors in Tennessee include one or more of the following. Families can get help in the form of debt consolidation, credit and budget counseling, home pre-purchase counseling, and foreclosure assistance.

Some of the organizations will even go above and beyond that menu of services too. For example, learn how to access bankruptcy counseling, personal financial management, and other specialized information for a specific financial challenge. Or the organizations will offer referrals to government programs and charities in Tennessee. Many are also HUD certified housing and mortgage counseling agencies.

2nd Chance Budget & Debt Family Counseling Services – Offers advice on how to develop budgets and deal with financial matters.
Address - 2600 Poplar Avenue, Suite 519
Memphis, Tennessee 38112
Telephone number of the non-profit is 901-323-0609

Alpha Community Services
10844-A Chapman Highway
Seymour, TN 37865
Telephone number of this organization is 865-223-7385. Call for information.

CredAbility, Consumer Credit Counseling Service, Inc. - There are several offices in the Tennessee area, however the headquarters is in Atlanta. This non-profit is federal government certified and is approved as a non-profit. They have also been HUD certified.

Interested individuals can call a local office to learn about various low cost or free debt and credit counseling, foreclosure prevention tactics, and bankruptcy support (if the client has no other options).
The primary, main local office is located at 2112 N. Roan Street Suite 706, Johnson City, Tennessee 37601
Phone - 800-251-2227




Address - 531 Callahan Drive Suite 101
Knoxville, Tennessee 37912
One of the main centers in the region. Counselors can help clients enroll into debt management plans and implement other tactics.

309 College Street 
Maryville, Tennessee 37804
Dial 800-251-2227 for information.

Partnership for Families, Children and Adults, Inc.
This location can also help clients get back on track with bills, paying debts and loans, and much more.
Address - 2245 Olan Mills Drive
Chattanooga, Tennessee 37421
Call 423-490-5620

Location is 100 Keith Street
Cleveland, TN 37311
Main number 423-490-5620

3001 Rhea County Highway 
Dayton, Tennessee 37321

ClearPoint Financial Solutions, Inc.
Administers several debt management and consolidation programs for Tennessee families. A specialist can help you negotiate and deal with your bank or lender. Assistance is provided for both mortgages and credit cards.
137 Dean Dr. Unit 4
Clarksville, TN 37040
Phone number - 877-422-9046




Address - White Station Towers 5050 Poplar Avenue, Suite 1101
Memphis, Tennessee 38157
Telephone - 877-422-9046

The Kingdom Ministries, Inc.
6094 Apple Tree Drive, Suite 11
Memphis, TN 38115
The non-profit supports all of Shelby County.

The University of Tennessee Extension
Maybe surprisingly this organization offers individuals and families in Tennessee a wide variety of credit counseling, budgeting, and other programs. In general, learn how to deal with debts, develop budgets, and much more.
Address is 95 Church Street, Southeast
Cleveland, TN 37311

Location - 119 Morgan Circle 218 Morgan Hall
Knoxville, Tennessee 37996-4512
Telephone number - 865-974-8198

Address - 400 W. Main Avenue Ste 560
Knoxville, TN 37902
Budgeting workshops, financial literacy classes and other services are available.

Stop by or dial number below to schedule a session. 310 Tellico Street Suite 3
Madisonville, Tennessee 37354

850 W Main Suite 1
Rogersville, TN 37857
Call 423-272-7241 for an appointment

Address - 460 Water Street
Rutledge, TN 37861
Telephone number - 865-828-3411

1740 Main Street Suite 4
Tazewell, TN 37879-0196
Speak to a specialist by dialing 423-626-3742

162 County Services Drive Suite 110
Ashland, Tennessee 37015
Call the non-profit. Counselors can provide information on debt reduction plans, the pros and cons of bankruptcy, and other support. Many families in Tennessee turn to the extension program every year.

Address - 125 Gordonsville Hwy Suite 300
Carthage, TN 37070
Dial for assistance - 615-735-2900





Location - 114 Huddleston Street
Centerville, TN 37033

658 Hartsville Pike
Gallatin, TN 37066
Call for help - 615-452-1423

Main address is 108 Thompson Avenue
Waverly, Tennessee 37185
Dial - 931-296-2543

Stop by or call. Address is 614 Lehman Street
Woodbury, TN  37190
Call 615-563-2554 for debt help, housing counseling, and other aid.

218 Morgan Hall
Knoxville, Tennessee 37996-4512
This non-profit support all of Knox County. Clients that meet income threhholds may be provided to low cost DMPs (Debt Management Plans), learn about government mortgage programs, and get help in enterting into payment plans on their debts.

Main office location - 100 S. Wilson Street
Brownsville, TN 38012
Call for help - 731-772-2861

151 Everett Avenue
Dyersburg, TN  38024
Programs administered include foreclosure prevention, credit card mediation, and credit repair.

Address - 35 East Wilson
Lexington, Tennessee 38351
Phone number - 731-968-5266

Agricenter International 7777 Walnut Grove Road, Suite B
Memphis, Tennessee 38120
Dial - 901-752-1207

1252 Manufacturers Row
Trenton, TN 38382
Dial 731-855-7656 to reach the non-profit credit counseling agency.
Some of what may be provided includes credit card and debt mediation services. Clients can also get free information on government mortgage assistance programs.

Address - 302 South Third Street
Union City, TN 38261
Phone number - 1-731-885-3742

Springboard Nonprofit Consumer Credit Management, Inc.
Call this national group at 951-781-0114 as they operate in Tennessee.

Consumer Credit Counseling Service of the Midwest, Inc.
The non-profit also has offices in Tennessee. They are listed below.

  • 225 N. Willow
    Cookeville, TN  38501
  • 201 East Main Street Suite 100
    Murfreeboro, Tennessee 37130
    Call for help - 800-355-2227
  • 1101 Kermit Drive Suite 204
    Nashville, TN 37217
  • 4525 Harding Road Suite 211
    Nashville, Tennessee 37205

MoneySharp Credit Counseling Inc.

The Memphis Housing Resource Center – Call for foreclosure advice. At the same time they will work with clients to address underlying reasons why someone is struggling with their home loans. Support is offered whether they need debt consolidation, help creating a budgeting, or other support.
Location of this center is 2400 Poplar Suite 220
Memphis, Tennessee 38112
Dial 901-529-1151

By Jon McNamara

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