Free credit and debt counseling agencies in Arizona.
Below is information on non-profit credit counseling agencies that operate in Arizona. The organizations can offer consumers a number of assistance programs. Get help in the form of debt consolidation, foreclosure prevention, DMP plans to reduce credit card debt, budgeting, and more. Learn where to get free in person or phone consultations from a non-profit credit counseling agency in AZ, with the contact information below.
They not only help people reduce their debt (credit, medical, etc.) and pay off loans (car loans, predatory, etc) clients can also learn about credit repair services and get information on filing for bankruptcy if needed. Most Arizona programs are offered at a nominal fee, or they may even be free. The primary goal of all these organizations is to assist individuals with improving their financial condition going forward - which includes everything from debt relief to budgeting, credit score repair and so much more. In addition to the statewide services below, there are additional organizations for certain counties including below.
Phoenix AZ area
Tucson AZ and Pima County
Non-profits in AZ that provide free credit counseling and debt relief services
GreenPath Financial Wellness
Telephone - 877-511-0570
One of the nation’s leading credit counseling organizations with online and phone consultations available. They provide consumers with a wide range of credit repair and debt assistance programs as well as related resources. Customers can learn about programs to help pay car or title loans, enter into hardship programs, and also enroll into debt consolidation plans.
Debt Reduction Services, Inc.
Call 877-688-3328
They also cover the state of AZ with remote counseling.
Local Arizona offices of Money Management International, Inc.
2401 W Peoria Ave, Phoenix, AZ 85029. Call 877-614-2227
While based in Maricopa County they cover the entire state. This is a major not for profit credit counseling agency that operates in Arizona as well as nationwide. Services include debt consolidation, bankruptcy counseling, DMP plans and government HUD certified foreclosure counseling. Counselors that work at this Arizona non-profit agency take a holistic view on helping people behind on their bills get back on track. All services provided are confidential in nature. Call them for information in both English as well as Spanish.
Federally certified non-profits also operate in state. The Department of Justice, in partnership with other government programs, approved non-profits to provide free or low-cost services. Whether advice on filing bankruptcy or legal aid on suing debt collectors, information on credit card relief programs and car loan refis, help is offered. Most of the AZ organizations are remote only with the list here. https://www.justice.gov/ust/credit-counseling-by-district/district-of-Arizona.
Credit Card Management Services, Inc.
800-920-2262
A focus of this non-profit is on dealing with outstanding credit card debts. No matter what type of card you have (Discover, Capital One, etc.) counselors are committed to finding a solution. Explore debt management plans, settlement programs with various creditors, and other tactics. A spatiality is on offering credit card hardship programs.
TMM Family Services, Inc.
Address - 1550 N. Country Club Road, Tucson, Arizona 85716. Call 520-322-9557
Whether it is advice in lowering credit card bills or student debt, or assistance in entering into a DMP, the Arizona office of this non-profit may assist. Counseling sessions can occur over the phone or in person.
Evergreen Financial Counseling
Programs are offered statewide from 7137 E. Rancho Vista Drive, Scottsdale, AZ 85251. Call 800-581-3513
Call them to determine how to get relief from card debts and other expenses. The organization will work on lowering interest rates or reducing fees. Consumers in Arizona have a number of assistance programs available to them from this company - no matter where they live.
Online Bankruptcy Classes
2711 E. Melrose Street, Gilbert, AZ 85297. Call 877-376-7122
Programs range from pre-discharge or tips on filing bankruptcy (Chapter 11 and 7), financial literacy classes and other services. The non-profit has a combination of free and low-cost services.
Summit Financial Education, Inc.
Address is 4800 E. Flower Street, Tucson, AZ 85712. Toll free number - 800-780-5965
Services are in Spanish and English. The non-profit counseling agency offers free advice to very low income families. Whether it is help in lowering or eliminating medical debt, or housing issues, debt relief services are offered. They can learn how to repair their credit scores, the pros of filing for bankruptcy, and learn about budgeting. Read more help with paying debts.
APFSC - Arizona Debt Relief Services and Financial Counseling
Office is at 3800 N Central Ave, Phoenix, AZ 85012. Call 800-738-4585
Phone consultations are offered statewide. Or meet in person with a debt/credit counselor. Whether a debt management plan (DMP), help in dealing with predatory lenders or something else, assistance is offered.
Housing Solutions of Northern Arizona
They offer various debt and mortgage relief programs from 2304 N 3rd St, Flagstaff, AZ 86004. Call (928) 214-7456.
While a focus is on housing, they also help people repair their credit and get their finances back on track. Whether it is modifying credit card debt or getting help with a home loan help is offered. Get help in modifying your home loan and learn the pro and cons of different types of debt reduction plans.
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