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Free credit counseling in Massachusetts.

A number of credit counseling agencies operate across Massachusetts. Many of them are non-profits and will provide free services near you. They may offer free or low cost debt reduction, assistance with auto loans, credit repair services, bankruptcy help and general credit counseling assistance. The services and pricing will normally depend on the customer’s income level as well as other factors. Find a listing of Massachusetts credit and debt agencies near you below. Services are offered online or in person.

Some of the programs or resources offered to clients include confidential housing counseling, advice for filing bankruptcy, free credit score repair services, access to and help with signing up for a debt management program, as well as general financial education and budgeting skills. The non-profits may also offer a host of other services too, especially around housing as well as auto loans.

Many of the non-profits offer mortgage and free foreclosure counseling for both renters as well as Massachusetts homeowners. The goal is to help low to moderate income Massachusetts residents to save their home. As part of this process, they will also be involved in addressing items such as foreclosures, credit repair and improvement, and information on mortgage programs.

For those Massachusetts families dealing with credit card or medical debts, many agencies can help with that as well. They offer debt consolidation services and management plans for either free or a nominal fee. The non-profits are a great place to turn to get back on track with paying bills, debts, and mortgages.

American Consumer Credit Counseling
130 Rumford Avenue, Suite 202, Auburndale, Massachusetts, 02466, (617) 559-5700
Stop by the American Consumer Credit Counseling office at 130 Rumford Avenue  #202, Newton , MA 02466, or dial 1-866-826-6924.

American Credit Counseling Service, Inc.
4 Taunton Street, Suite 5,
Plainville, MA, 02762,
Phone (508) 643-4445.
Offering a free consultation to all clients, call toll free (800) 729-0551
Customers can get assistance from debt management plans (DMP), which can address unpaid fees on credit cards and help streamline the payment process. Clients combine all their consumer debt into one new, low cost loan.




Cambridge Credit Counseling Corporation
67 Hunt Street, Agawam, MA, 01001
Telephone number is (800) 897 - 2200 Ext: 363
This non-profit focuses just on the city area, with possible referrals provided to other Middlesex County families.

ClearPoint Financial Solutions, Inc.
Main office - 225 Franklin St Suite #2672
Boston, MA, 02110
Dial (617) 426-0615 for information.
They have several offices in Massachusetts. In some cases, legal aid can be effective in dealing with debt collectors. These is a national non-profit credit and debt counseling agency that operates in all states and has hundreds of specialists available. The main office is below. Staff can help with car loans, debt consolidation, settlement programs, and even negotiate medical bills.

Springfield Neighborhood Housing Services
Address of non-profit is - 111 Wilbraham Road, Springfield, MA, 01109
Dial the credit agency at (413) 739 - 4737

Money Management International
Main office address is 247 North Main Street, Suite 200, Randolph, Massachusetts, 02368. Phone number of main office is (866) 336 – 0624. Many other sites across Massachusetts are below as well. Counselors are available online, in person, web chat, and through other means.

Money Management International of Massachusetts has multiple locations around the state that offer credit counseling, foreclosure prevention, and as well as other aid. Clients can also get budgeting help, take money management classes, and learn about improving their credit score. They are located at the following.





  • 247 North Main Street Suite 200, Randolph, Massachusetts, 02368. Telephone number - (866) 336-0624
  • 181 Elliot Street Suite 328 - C, Beverly, MA, 01915 Phone:(866) 336-0624
  • 90 Orne Street 2nd Floor, North Attleboro, MA, 02760. Call (866) 336-0624
  • 340 Main Street Suite 813, Worcester, Massachusetts, 01608 Phone:(866) 336-0624
  • 31 Milk Street Ste. 515, Boston, Massachusetts, 02109 Telephone number - (866) 336-0624
  • 888 Purchase Street, New Bedford, MA, 02740. Phone:(866) 336-0624
  • 40 Central Street, Lowell, MA, 01852 Phone:(866) 336-0624
  • 34 Depot Street, Pittsfield, Massachusetts, 01202 Dial -(866) 336-0624
  • 59 Interstate Drive Suite 10, West Springfield, MA, 01089. Phone number is (866) 336-0624
  • 800 West Cummings Park Suite 1075, Woburn, MA, 01801. Phone:(866) 336-0624
  • 409 Main Street Suite 105, Amherst, Massachusetts, 01002. Call – (866) 336-0624

Action for Boston Community Development, Inc. (ABCD)
21 Meridian Street, Boston, Massachusetts, 02128
Phone: (617) 567 – 8857
A second location is at 535 River Street, Mattapan, Massachusetts, 02126 Phone (617) 298-2045
They are the local community action agency, and a focus is helping low income families gain self-sufficiency. This will include things such as improving credit scores and budgeting, among other activities. They also focus on housing, employment, and free budgeting programs.

Catholic Social Services
Location is 1600 Bay Street, Fall River, MA, 02724
(508) 674 – 4681
This non-profit can offer HUD foreclosure counseling and credit repair services.

Greater Lawrence Community Action Council, Inc.
305 Essex Street, Lawrence, Massachusetts, 01840
Phone number (978) 681 - 4906
The agency focuses on Essex County Massachusetts. Immigrants, Spanish and non-English speakers can get help. Whether housing counseling, free money saving tips, credit repair or banking help, resources are offered by the non-profit. They can even help immigrants start to build credit.





1A Bankruptcy Counseling, Inc.
The main office for this agency is at 31 Fuller Pond Drive.
Middleton, Massachusetts 01949
Call the non-profit credit, debt, and foreclosure counseling agency at 888-823-4266 to learn about the services and programs they administer. A focus is on free or low cost bankruptcy advice and tips on when and how to file.

By Jon McNamara

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