Free credit counseling in Memphis and Shelby County
Non-profits credit counseling agencies in Memphis, Shelby County, and surrounding areas can provide debt relief as well as credit repair to individuals and families. The organizations administer a number of services, including enrolling people in credit card hardship plans or DMP, help people with car loans, and offer other programs that help people in debt. Find details on free credit counseling near you in the Memphis TN area.
Various programs are in place for paying all different types of debts, including medical, credit card, personal loans and even your auto loan. Credit counselors will sit down with you and review various steps to take in order to get back on track, including offering resources to pay an auto loan. When needed, a specialist may be even able to call up and deal directly with your bank, lender, or credit card company on your behalf. Or they offer debt consolidation loans or other forms of help to people in Shelby County.
Many of the Memphis non-profit organizations are also HUD certified foreclosure counseling centers. This means that you can speak to a specialist who can focus on mortgage relief at the same time as paying down other unsecured loans. Most of these debt reduction services are offered for free, if your income is low enough. Otherwise the programs may have a minimal fee.
Find a free credit or debt counselor in Shelby County
American Consumer Credit Counseling, Inc.
2400 Poplar Avenue, Memphis, Tennessee 38112. Dial (877) 440-1773
This non-profit provides debt relief services nationwide with a local Memphis TN office as well. Staff help people review their credit report, improve FICO scores, and they also offer debt reduction programs. One of the primary resources they offer is a Debt Management Plan, or DMP. This will help with the payment of unsecured debts, including payday loans, credit cards, car loans, and medical bills.
- Specialists will provide information and/or free counseling to help Memphis Tennessee consumers understand as well as manage their finances as part of budgeting. Learn about income tax obligations, and receive tips and suggestions on the best ways to pay your bills, including taxes. Other resources can help families make informed credit and purchasing decisions.
Kingdom Ministries
6094 Apple Tree Dr #11, Memphis, TN 38115. Phone: (901) 552-5131
A federal government certified consumer credit counselor from this agency can provide free or low cost confidential advice about money management, credit, and budgeting. The counselor will meet with clients to review their income, expenses, total assets and unpaid debts. They will then help the Shelby County family create an action plan to reduce expenses and pay down debts while eliminating loans.
Christian Credit Counselors on Memphis
While there are multiple non-profit, faith based credit counselors this organization has major operations in Tennessee and Shelby County. They help low-income families, seniors and anyone in need reduce their debts and get back on track with their finances, all in a caring faith based way. Call (800) 557-1985, or look here for a free Christian counselor service.
2nd Chance Budget and Debt Family Counseling Services
Address - 2600 Poplar Avenue, Memphis, Tennessee 38112. Telephone number of the non-profit is 901-323-0609
They focus on people in the area with low FICO scores, past bankruptcies and who need a second chance. The non-profit offers advice on how to develop budgets, improve credit, tips on taking on new debt and deal with financial matters.
The Memphis Housing Resource Center
Location of this center is 2400 Poplar, Memphis, Tennessee 38112. Dial 901-529-1151
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.
Consumer Credit Counseling Services
There is a local branch in Collierville, TN 38017. Phone: (901) 850-3381
Mostly focuses on helping people with credit card, title loans as well as medical bills. Specialists and highly trained volunteers can help people resolve potential credit problems, refinance a credit card, obtain a mortgage loan with advantageous interest rates, offers, and get other help with their bills.
Greater Memphis Financial Empowerment Center - GMFEC Hub Location
1355 Lynnfield Rd, Memphis, TN 38119. Call (901) 390-4200
The non-profit center offers pre-bankruptcy filing counseling, free budget and credit counseling, and debt reduction services. The counselor from the non-profit will work closely with the client to develop a thorough budget analysis and plan for the go forward. Other services offered include debt management as well as consolidation loans.
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