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Free credit counseling agencies in Illinois.

If you need help in Illinois with consolidating debts or improving an overall financial situation, or if you need access to free non-profit credit counseling, get information on where to call below. There are various non-profits that administer free or low cost credit counseling, debt reduction programs, and that offer foreclosure assistance. They may also help clients with filing bankruptcy or provide tips on paying down medical bills or car loans, among other services. A number of non-profit credit counseling organizations in Illinois provide families with a large number of programs.

Credit as well as housing counselors offer families and individuals access to programs including low cost debt management plans or consolidation programs. Find how to get help with paying off personal loans as well as credit card and medical debts. They also offer help paying car title loans. Much of the advice given in Illinois is provided for free.

Many locations also offer methods to improve your housing situation, meaning get access to resources related to repaying your delinquent mortgage. If you have been served a foreclosure notice, access and learn about ways to stop that foreclosure from proceeding from HUD certified housing counselors. All counseling provided to Illinois individuals is confidential, and much of the assistance for housing needs is also free to income qualified clients.

Those are just an example of some of the services offered by Illinois credit counseling agencies. Below find phone numbers to call to apply for debt, bankruptcy, foreclosure, car loan and mortgage assistance from the non-profit organizations in Illinois.

Major cities are supported too. Several other credit counseling organizations operate in Cook County and Chicago Illinois. Thousands of families receive help in reducing and paying off personal loans, unsecured debts such as credit cards, and receive other free services. Read more Chicago free credit counseling agencies.

Central Illinois Debt Management & Credit Education, Inc.
Address - 719 Main Street
Peoria, Illinois 61602 
Telephone number - 309-676-2941
Everything from budgeting classes to individual guidance may be arranged.




Additional offices of Central Illinois Debt Management & Credit Education, Inc.
Call or stop by 201 W Springfield Avenue Suite 211 Huntington Towers, Champaign, IL 61820 (dial 888-671-2227) for information on consumer credit counseling services. Other offices operated by Central Illinois Debt Management include the following. Some of the advice giving on addressing credit card or medical debts may be given to low income families in Illinois at no cost to them.

  • Illinois Employment & Training Center 407 N. Franklin
    Danville, Illinois 61832
    Call for help - 888-671-2227
  • Address - 222 E. North Street
    Decatur, IL 62523
    Main phone number - 888-671-2227
  • 180 S. Soangetaha Rd
    Galesburg, IL 61401
  • Address of office: 255 Backbone Road
    Princeton, IL 61356
  • Location - 1300 S. 9th Street
    Springfield, Illinois 62703
    Phone: 888-671-2227

Chestnut Health Systems, Inc.

A focus of the non-profit is on medical debts or bills. However other counseling is offered too. Many low income and uninsured families file bankruptcy due to health care costs. So there are programs such as medical debt settlement, charity care, and more. Or find how to settle medical debt.

  • 1003 Martin Luther King Drive
    Bloomington, Illinois 61701
    Phone - 800-615-3022
  • Main office address -370 Houbolt Suite 101
    Joliet, IL 60431
  • Location - 151 Springfield Avenue Suite C
    Joliet, Illinois 60435
  • 50 Northgate Industrial Drive
    Granite City, IL 62040
    Dial - 800-615-3022





Consumer Credit Counseling Service of Aurora
Address - 70 South River Street
Aurora, IL 60506
Several free or low cost assistance programs are provided to qualified clients. Counselors will meet with you and explore all solutions to your condition. The organization is also federal government HUD approved.

GreenPath, Inc. - This is one of the leading free to no-cost government certified debt, housing, and credit counseling agencies in Chicago Illinois. Sign up for a debt management plan (DMP) or get help in consolidating your bills and loans. Locations are below.
5306 Avenue of the Cities Suite A
Moline, Illinois 61265

20 North Wacker Suite 1928
Chicago, Illinois 60601
Telephone number - 888-436-4054.

Hananwill Credit Counseling
115 North Cross Street
Robinson, Illinois 62454
Phone - 877-544-5560

Parkland College
Address is 2400 W. Bradley Avenue
Champaign, Illinois 1821-1899

Consumer Credit Counseling Service of McHenry County, Inc.
This not for profit consumer credit counseling agency has more offices than anyone else in Illinois. They are listed below. Call to apply for debt consolidation, mortgage payment assistance, help for personal loans, and a host of other budgeting and financial assistance solutions.
Primary address - 17801 W. Washington Street
Gurnee, Illinois 60031

26725 W. Molidor Road
Ingleside, IL 60041

Location - 1155 E. Route 22
Lake Zurich, Illinois 60047
Dial 800-815-2227 for information on programs.

Address - 4100 Veterans Parkway
McHenry, IL 60050
Main phone number for intake is 800-815-5757

4508 Prime Parkway
Address - McHenry, Illinois 60050
For information on services, dial 815-338-5757





1170 N. Midlothian Road
Mudelein, Illinois 60060

Location - 906 Hart Road
Round lake, Illinois 60073
Telephone number - 800-815-2227

20 S. Martin Luther King Ave.
Waukegan, Illinois 60085

415 W. Washington St.
Waukegan, IL 60085
Call for help - 815-338-5757

Address: 400 Russel Court
Woodstock, IL 60098
Call - 815-338-5757

MoneySharp Credit Counseling Inc.
Address is 1916 N. Fairfield Avenue
Chicago, Illinois 60647
Dial 866-200-6825
Various services are offered by this non-profit. Staff can refer Illinois families to programs that may help negotiate/pay down medical bills, offer details on credit card hardship plans, and more. There are also workshps on if/when to file for bankruptcy and help with the process.

Consumer Credit Counseling Service of Northern Illinois, Inc
400 Russel Court
Woodstock, IL 60098
Main phone - 815-338-5757

Address is 1140 N McLean Blvd
Elgin, IL 60123
Cakk 800-815-2227

Debt, credit card, and auto loan assistance is a focus of the non-profit at 359 Merrill Court
Libertyville, IL 60048
Main number is 800-815-5757

A fourth office is at 433 E. Washington Street
Round Lake Park, IL 60073
Call 800-815-2227 for hours.

Family Service Association of Greater Elgin Area

  • Address - 22 S. Spring Street
    Elgin, Illinois 60120
  • 1900 Hassell Road
    Hoffman Estates, IL 60195
  • 1535 Burgandy Parkway
    Streamwood, Illinois 60107
    Telephone number - 847-695-3680

Institute for Consumer Credit Education
16335 South Harlem Avenue Suite 400
Tinley Park, IL 60477

Local offices in Illinois of Money Management International, Inc. - Phone (877) 964-2227

A national and regional non-profit in Illinois. Low to moderate income families can get debt and credit card help. They also refer clients to home buying programs for affordable loans and focus on auto loan payments, which many are delinquent in today’s day and age. Credit repair is also a big focus. Find more details on car loan refinancing.







Location - 70 E. Lake Street  Suite 1102
Chicago, Illinois 60601
Dial - 800-873-2227

1200 Roosevelt Road Suite 108
Glen Ellyn, Illinois 60137

Address is 1515 N. Harlem, Suite 205
Oak Park, IL 60302

Location - 416 Main Street Suite 920
Peoria, IL 60602

3601 Algonquin Road Suite 230
Rolling Meadows, IL 60477

Location - 16860 S. Oak Park Avenue Suite 104
Tinley Park, Illinois 60477

Address - 1916 N. Fairfield Avenue
Suite 200
Chicago, IL 60647
Telephone number - 866-200-6825

Call the national organization MMI at the number above to learn about the type of counseling, debt, loan and credit services they can provide the low income in Illinois. Over the years, the non-profit has saved consumers millions of dollars by helping them lower lower their interest rates, waive fees, and counselors can help consumers by negotiating directly with lenders as well as credit card companies.


By Jon McNamara

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