Free non-profit credit counseling agencies in Minnesota.
Credit counselors in Minnesota provide a number of free services to people who need help. Get assistance in the form of debt consolidation loans, budgeting tips, financial wellness as well as other general advice. The non-profits offer suggestions on steps to take for reducing household debts, saving money and building credit. Find information below, including phone numbers, to debt and credit counselors in MN.
Some of the programs administered from the locations include those listed below. The types of services in Minnesota include, but are not limited too, debt management plans that can help individuals consolidate unsecured debts like credit card, auto loans and medical bills. In addition to that, many staff members are HUD approved housing counselors as well and can offer clients information on getting mortgage help or even buying a home. There are several other national as well as regional firms that specialize on serving consumers in the Hennepin County region. Find free credit counseling in Minneapolis.
More legal support is also given at the same time as the credit counseling. Clients can have a professional determine whether filing for bankruptcy is their best option, even though it should always be their last choice. Or sign up for mostly free education classes that can help households create and stick to a budget, or they provide other education programs around the legality of debt reduction. Or find other free budgeting apps for saving and spending.
Where to get free or low-cost credit and debt counseling in MN
Catholic Charities of the Diocese of St. Cloud
Address - 911 18th St N, St Cloud, MN 56303. Call 320-650-1660
The charity provides a number of social services, including a goal of helping people get back on track with their bills. Call for help with credit issues and information on other forms of financial aid.
Community Action Partnership and Agencies of Minnesota all provide some form of Financial Wellness. This will help people with everything from creating a budget to helping them save money, avoid or pay down debt, invest and so much more. It is about getting out of debt, saving money and building assets for the future. Find details on how to get help from N community action.
Apprisen (formerly Consumer Credit Counseling Service of the Midwest, Inc.)
Call 888-461-2927 or 800-355-2227
While they support consumers across the middle part of the country, Minnesota families can also be helped with financial matters. A leading national non-profit organization that is also licensed in Minnesota. They offer free budgeting classes, information on bankruptcy courts and the filing process, debt reduction services and more. Struggling families can enter into a low cost DMP with Apprisen too.
Evergreen Financial Counseling
Call 800-581-3513
Remote and phone consultations are offered in MN. A focus of the non-profit is on the underbanked and re-building credit.
Government certified (DOJ) and approved non-profits are another option. Many are based out of state but provide phone consultations or video services. The agencies help people understand - rebuild credit, how to pay down debt(s) and loans and even tips on how to protect your identity and assets. All types of money management and budgeting are offered. The list is here https://www.justice.gov/ust/credit-counseling-by-state/Minnesota.
Navicore Solutions (formerly Novadebt)
Call 1-800-992-4557
A national organization. They specialize in addressing unsecured debts, which will be medical as well as personal loans issued from banks or non-traditional lenders. They also help people get out of predatory type loans, such as car title, payday, pawn shop and others.
FamilyMeans Consumer Credit Counseling Service (CCCS)
Multiple offices operate in the region. They are located below. Counselors can help people consolidate their debts and loans, enter them into a debt management plan, or provide advice on filing for bankruptcy.
- The main office of the non-profit is at 1875 Northwestern Avenue South, Stillwater, MN 55082
- River Ridge Professional Center, 1200 Hosford Street, Hudson, WI 54016. Call 651-439-4840
- The Twin Cities also has an office at 1129 Grand Avenue, Saint Paul, MN 55105. Phone: 651-641-0177
Comunidades Latinas Unidas En Servicio
Free, one-on-one help is provided, with a focus on immigrants. Whether starting to build credit, access to loans, and other financial coaching, various services are provided. They also help people get zero % loans from programs like Lending Circles (Tandas) program, assist with home or car buying financing and so much more.
- 324 3rd Street SW, #2, Willmar, MN, 56201. Call (651)321-2207
- 797 East 7th Street, Saint Paul, MN, 55106. Dial (612)470-4920
Isuroon
They help Somali women and families, with all counseling culturally fit. Learn about budgeting, starting to build credit, taking out loans when you have no bank account and so much more. All services are free from the charity with a focus on financial empowerment.
- 1030 University Avenue West, Saint Paul, MN, 55104
- 1103 Burnsville Parkway, Burnsville, MN 55337. Call (952) 595-5731
- 437 Edmund Ave W, Saint Paul 55103.- email [email protected]
Lutheran Social Service of Minnesota
This non-profit has the most locations around the state. The offices are listed below, all of which provide some form of money management-credit counseling. Call them to apply for or learn more about such services. They are involved in offering many services such as foreclosure counseling, debt consolidation loans or programs, and home buying and mortgage refinancing. Their menu of services is extensive. The programs are part of LSS Financial Counseling Service.
- The main office is at 2485 Como Avenue, Saint Paul, MN 55108. Dial 800-582-5260
- 1330 E Superior St #203, Duluth, MN 55805. Phone: (888) 577-2227
- 2400 Park Ave, Minneapolis, MN 55404. For information dial (612) 871-0221
- 1601 Highway 12 E, Willmar, MN 56201. Dial (320) 235-5411
Credit Advisors Foundation
While not based in Minnesota, they cover the region. Call 402-393-3100.
Phone based services help low income consumers. They also have a program that focuses on helping veterans that have excessive debt. Other debt reduction services assist all clients with payday loans, bankruptcy filings, and much more.
SafeGuard Credit Counseling Services, Inc.
A national organization that provides confidential phone consultations and services over the phone, with additional follow up as needed. Dial 800-673-6993
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