Non-profit credit counseling agencies in Kentucky.
Credit counseling agencies help Kentucky residents reduce their debt(s), improve their credit scores and in general improve all aspects of financial wellness. Most of the programs are free to lower income families. Specific programs range from debt management plans (DMPs) to loans that will consolidate debt, bankruptcy consultations and programs that help people pay down predatory loans among other bills. Find details below on local and online debt and credit counselors in KY below.
While debt counselors help with credit card, medical and car loans (among other bills) a focus of many non-profits is also on improving a consumers overall credit scores. The non-profits also put the client on the path to financial stability. The federal government has certified many of these companies, and some may also be HUD approved. This means that every counselor in Kentucky has had to go through intensive training and testing.
List of free or low cost credit and debt counselors in KY
Apprisen - Consumer Credit Counseling Service of the Midwest
Location is 11492 Bluegrass Pkwy #105, Louisville, KY 40299. Call (502) 458-8840
A nationwide agency with operations in Kentucky. Services are available remotely in both English and Spanish. The non-profit focuses on helping families of all income levels in Kentucky with their credit card and/or medical debts. Clients can enter into a hardship program or debt management plan, among other solutions. There may also be referrals to low income and no credit loan programs, which help people avoid payday lenders.
Hope Southern Indiana also supports Kentucky families
Address is 1200 Bono Road, New Albany, IN 47150. Telephone number is (812) 948-9248
The non-profit provides free budget counseling to assist consumers in paying down debts. They also come up with strategies on avoiding missed bill payments (no matter the expense) resolving credit issues, establishing long term financial goals, or purchasing an automobile or home.
The federal government has certified other credit and debt counselors to cover Kentucky. Most of these over free or low-cost phone consultations or online services. They are not for profit organizations with a wide variety of financial services and get more details here. https://www.justice.gov/ust/credit-counseling-by-state/Kentucky.
Louisville Metro Social Services of Jefferson County
701 W Ormsby Ave #201, Louisville, KY 40203. Main phone number is (502) 574-4377
A non-profit agency that offers a number of social services. Among them is a free or low cost financial literacy program designed to teach people basic money management skills, including how to improve credit scores. The non-profit also offers budgeting, banking, tips on spending wisely, investing and support in developing a savings plan.
Northern Kentucky Community Action Commission
There are multiple offices as listed below. The non-profit combines grant money to help pay bills with free debt relief services. They help low-income families budgeting their income and get back on financial track. Or work with a staff member to enter into a credit card hardship program.
- The Carroll County Neighborhood Center address is 1014 Seminary St, Carrollton, KY 41008. Phone number (502) 732-5253
- The Pendleton County Neighborhood Center main office is at 251 KY-330, Falmouth, KY 41040. Telephone number is (859) 654-4054
- Campbell County location is at 100 Davis Dr, Warsaw, KY 41095. Main number is (859) 431-4177. Specialists from this organization provide money management as part of the free debt services. Counselors will also work with consumers to reduce the incidence of bankruptcy. The support will help them get back on track with paying bills and reducing debts, and they offer much more.
Kenton County Neighborhood Center
Address is 533 W Pike St, Covington, KY 41011. Call (859) 291-8607 for information
This is another local community action agency that can offer some basic credit counseling services. There are free financial management classes, information on how to get a second chance bank account and workshops.
Community Action Commission, Boone County Neighborhood Center
Main address - 6616 Dixie Hwy, Florence, KY 41042. Call (859) 586-9250
Offers basic literacy and financial counseling.
A Debt Coach Credit Counseling Service, Inc.
71 Cavalier Blvd., Florence, Kentucky 41042. Main phone number is 888-767-9155
Consumers can learn how to manage their finances. Whether it is information on repairing credit, or tips on find alternatives to payday loans, low cost or free advice is provided.
Goodwill Industries of KYOWVA Area, Inc, Main phone number is 888-534-4387
Services help people in dealing with consumer debt. There are resources on entering payment plans for hospital bills, specialists focused on bankruptcy, and more. Find additional information and referrals on how to get debt help.
Brighton Center
Office is at 741 Central Ave, Newport, KY 41071. Call (859) 491-8303
Take Charge America
Call 623-266-6100
They support Kentucky remotely. The organization will offer help in the form of debt consolidation loans, have contingency medical bill advocates and provide other debt reduction programs.
Owen County Neighborhood Center
Address is 970 US-127, Owenton, KY 40359. Call the agency at (502) 484-2116
They offer budget and financial counseling to anyone in the area. Consumers can enter into debt management programs, settlement options, and more while trying to identify problem areas of the client's financial situation. Receive assistance with eliminating high priced credit card debts, medical bills, and more. The location is also a HUD approved housing counseling agency for Kentucky homeowners.
Northern Kentucky Neighborhood Center
Address: 100 Davis Dr, Warsaw, KY 41095. Main phone - (859) 567-4660
Grant County Neighborhood Center
Main address is 1116 N Main St, Williamstown, KY 41097. Call (859) 824-4768
The location offers individual or group counseling sessions on issues regarding credit management, personal finances, and budgeting.
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