Non-profit, free credit counseling agencies in Connecticut.
A number of Connecticut non-profit credit counseling agencies can help individuals improve their financial condition, reduce their unpaid debts, and get back on track financially. Many of the organizations will offer consumers free services from programs such as debt consolidation, budgeting, auto loan refis and pre-bankruptcy filing. Find a free debt or credit counselor near you in CT below or locate a remote, online service for the state.
You can set up an appointment to speak about and review your overall financial situation, whether in person or over the phone. All services are confidential. Find the best ways to address challenges with unpaid credit card bills and unpaid debts, mortgage that is arrears, and outstanding medical debts. Many of the Connecticut non-profit organizations are also HUD certified foreclosure counseling organizations.
Anyone who needs support can work with a certified and highly trained counselor from one of the non-profit Connecticut agencies below. They will review, and advise on, your income, expenses, and overall debts levels. Many can help you enter into repayment plans with banks or creditors. Or they help people rebuild their credit, forgive medical debt, and offer general budgeting advice. Over the years the agencies have assisted thousands of consumers with reducing obligations such as credit cards, medical bills, and personal loans.
Where to get free debt and credit counseling in CT
Connecticut Association For Human Services - Financial Empowerment Center Of Greater Bridgeport (FEC)
Main office is 110 Bartholomew Ave, Hartford, CT 06106. Call (860) 951-2212 or (203) 610-6226
This agency supports all of Fairfield County. The center offers people the tools, knowledge, and support that may be needed to improve their overall financial situation. The FEC is a partnership of the Connecticut Association for Human Services, and the Bridgeport Child Advocacy Coalition. The United Way of Coastal Fairfield County is also a main partner of the credit counseling assistance programs.
- The non-profit center offers free one-on-one coaching in the areas of debt reduction, zero based budgeting, building savings, and planning for the future. Basically the specialists will do everything they can to help improve a family’s budget.
Federal qualified/approved credit counseling in CT
The US government, in particular the Department of Justice, helps screen credit and debt counseling organizations. They have a list of free, approved non-profits for the state of CT. Whether help with repairing credit, getting out of a car loan or paying of credit card debt, the organizations can assist. Many are located in other states but they are federally approved to offer debt counseling in Connecticut with a list here. https://www.justice.gov/ust/credit-counseling-by-state/Connecticut.
Money Management International (MMI)
1224 Mill Street, East Berlin, CT 06023. National Call Center (to make appointments locally) 866-889-9347
A leading non-profit organization that also has a local presence. The not for profit MMI provides consumers with free financial guidance. This includes general credit counseling, debt management plans as well as bankruptcy counseling if applicable.
- Money Management International is also a federal government HUD-approved housing counseling agency and offers reverse mortgage and mortgage default counseling. The CT center also offers housing and mortgage counseling assistance to consumers via Internet, in-person sessions, and phone.
Human Resources Agency (HRA) of New Britain, CT
Main address is 180 Clinton St, New Britain, CT 06053. Call (860) 225-8601
The non-profit offers help as part of the Financial Independence Program. The non-profit, as part of this, has advice and education services.
State of CT programs
The state of Connecticut offers free money from saving accounts from the Individual Development Accounts (IDAs). The funds are combined with general financial wellness and debt relief services. This is an option for income qualified residents that can help people jump-start their savings by matching 100% of a client’s contributions, up to a certain limit as noted here. https://portal.ct.gov/ott/about-the-treasury/individual-development-accounts.
Community Action Agency of New Haven
Location is 419 Whalley Ave, New Haven, CT 06511. Call (203) 387-7700
A major focus is on offering financial education to women. Debt relief, financial management training, savings information and other free money management services are part of S.M.A.R.T. Women. The organization helps everyone from single moms to people caring for their grandkids and look here for other financial literacy programs for women.
Connecticut Association For Human Services (CAHS) - CT Money School
Location is 110 Bartholomew Avenue, Hartford, Connecticut 06106-2232. Call (860) 951-2212
The center offers budget, credit, homebuyer counseling, and a variety of financial management workshops.
Housing Education Resource Center (HERC)
Office address is 901 Wethersfield Avenue, Hartford, CT 06114. Main telephone (860) 296-4242
Most of the resources resolve around dealing with housing and mortgage counseling, foreclosure prevention, and similar services. However in order to save your home, many families need to deal with other issues, such as credit score repair, unpaid loans, and resolving debts.
Debt Reduction Services, Inc.
Dial 208-378-0200
Most of the services are offered over the phone and remotely.
Human Resources Agency Of New Britain - Neighborhood Services
Main address is 336 Arch Street, New Britain, CT 06051. Call (860) 225-1084
They offer a Budget Coaching Program. This free service can match low and moderate income working families with highly trained and volunteer budget coaches who assist them in understanding their current income as well as expenses. Get help in evaluating your budget, spending decisions, developing financial plans and accessing other services, including credit repair workshops and debt settlement programs. All of this, and more, can assist with improving financial literacy.
Urban League Of Southern Connecticut
Address is 136 Sherman Ave, New Haven, CT 06511-5238. Call (203) 327-5810 for information.
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