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Free credit counseling and debt help in Missouri.

Get free credit counseling services, debt consolidation, and other forms of financial counseling in Missouri. There are local as well as nationally based non-profit credit counseling agencies that provide advice to consumers of all income levels. Assistance, some of which may be free, is offered for numerous financial matters, with a focus on addressing debts, reducing a reliance on payday loans, and rebuilding consumer credit scores. Several different non-profit organizations operate across the state. Based on the exact agency, they offer a number of free or lost cost debt, credit, and housing assistance solutions to homeowners as well as other Missouri families.

Call or stop by to speak to a government certified counselor. They can offer confidential advice for such matters as family budgeting, mortgage delinquency and provide assistance for home loans. They also help borrowers with entering into debt management plans as well as consolidation. Any type of debt that could cause a household in Missouri to struggle will be covered.

If you are behind on your monthly bills, these free budget and debt management counseling services can be provided with the goal of getting you back on track. In addition, if a client has no other options, a counselor can go over the pros, cons, and process of filing for bankruptcy. But this is always a last resort.

The list below includes many of the leading not for profit credit counseling agencies that operate in Missouri. Some of the free organizations operate nationally as well, but can offer phone consultation. Some of the services may be provided at no cost to those that qualify. Call or stop by a location to get more information on the various programs they can provide.

4-Sight Counseling, Inc.
Address - 937 Broadway Suite 305
Cape Girardeau, Missouri 63701
Dial - 573-334-7995

ClearPoint Financial Solutions, Inc.
This non-profit organization is one of the larger debt and credit counseling companies in Missouri. Multiple offices are located around the state. They offer housing and a number of additional credit services. Clearpoint is also committed to helping the large number of families in Missouri that have payday or car title loans. The staff are certified by the federal government, and are also a national based agency and operate in multiple states. If a challenge is predatory lenders, then get information on payday loan debt consolidation.




  • #19 Fox Valley Center
    Arnold, Missouri 63010
    Phone - 877-422-9046
  • Location of office is 493 Rue St. Francois Suite #6
    Florissant, MO 63031
    Telephone number - 877-422-9046
  • 948 Lester Street Suite 5
    Popular Bluff, Missouri 63901
    Call - 877-422-9046 for information
  • Address - 1600 Heritage Landing Suite 211
    St. Charles, MO 63303
  • Location of office is 1300 Hampton Avenue at West Park
    St. Louis, Missouri 63130
    Call - 877-422-9046
    This may be their largest location in Missouri. Assistance includes debt management plans, help in getting fees waived, and foreclosure prevention services.
  • Address - 2009 Schotthill Woods Dr.
    Jefferson City, Missouri  65101
    Telephone number is 877-422-9046

Consumer Credit Counseling of Springfield, Missouri, Inc.
They have many offices around the region. Call them to get information on HUD counseling, debt consolidation and management plans, and tips on reducing credit card debt. Staff also offer budgeting, other credit repair and financial programs.





  • 520 W. Main US Bank Bldg
    Branson, MO 65616
    Telephone - 800-882-0808
  • Mid-Mo Credit Union Bldg. Building 494
    Ft Leonard Wood, Missouri 65473
  • 3130 Wisconsin Suite 4
    Joplin, Missouri 64804
    Phone number - 800-346-4930
  • 201 N .Jefferson US Bank Bldg
    Lebanon, MO 65536
    Staff from the non-profit specialize in bankruptcy filings, credit card hardship programs, and housing programs.
  • 1055 South Campbell
    Springfield, Missouri 65807
  • Address - 1515 S. Glenstone
    Springfield, MO 65804
    The two Springfield locations offer consumers help with improving credit, filing bankruptcy, and addressing any delinquent bills.
  • 1524 Porter Wagner Blvd.
    West Plains, MO 65775
    Call - 800-882-0808

Cricket Debt Counseling
Telephone number - 866-719-0400

Financial Fitness Services, Inc.
1226 Linn Street Suite C
Sikeston, MO 63801
Dial - 888-471-9737

Forbes & Newhard Credit Solutions, Inc.
Address of office - 7505 Tiffany Springs Parkway, Suite 130
Kansas City, Missouri 64153
Telephone number - 816-442-7036
Low income families in Missouri can get free assistance in both rebuilding credit and reducing debts. They help with ettling medical debts, credit card, and payday type lenders as well. The non-profit will work with clients to asisst them with a payment plan or maybe interest rate waiver.

Evergreen Financial Counseling – A national organization.
Clients can receive foreclosure counseling and information on government mortgage programs. Counselors can also provide guidance on bills, including medical and credit card debts.

Consumer Credit Counseling Service of Greater Kansas City
Location of office is 1900 N. Providence Suite 207
Columbia , Missouri 65202
Income qualified residents may receive free assistance. Others may be charged a minimal fee for any debt management or settlement plans.

Location of office is 3737 S. Elizabeth Street Suite 204
Independence, Missouri 64057

Address of center - 724 N. Belt Highway
St. Joseph, MO 64506





Jackson, Clay, Platte, and Cass Credit Counseling
Stop by 9300 Troost Avenue or dial the number below to get information and learn about the various free or low cost services.
Kansas City, Missouri 64131
Call 800-355-2227 for intake.
Families in poverty or families deep in debt can get help. They assist with predatory lenders (such as payday or car title companies), focus on medical or hospital debts, and credit repair too.

Comprehensive Credit Counseling of Rural Services of Rural Missouri
Farmworkers, immigrants, and others from rural towns can get help in reducing debts. Assistance is available for issues more specific to them.

By Jon McNamara

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