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Free credit counseling in New Jersey.

Below is a listing of non-profit credit counseling agencies that are either based in New Jersey or that support the state. Learn about the free services that you can apply for, including debt consolidation, foreclosure assistance, bankruptcy, and credit repair. They also assist with medical bills as well as a variety of credit card hardships that people may be facing. The addresses and phone numbers of the New Jersey non-profit organizations are listed here.

A number of free or low cost budget and debt management programs are offered for clients who need assistance with paying down their outstanding bills. There is help for consumer debt, such as credit cards and medical bills. Many of the New Jersey based organizations are also HUD-approved foreclosure counseling agencies and can assist homeowners who are struggling with or are delinquent in their payments of their mortgages.

Borrowers are able to work closely with a federal and state of New Jersey certified credit counselor and/or mortgage specialist to review their unsecured debts. Assistance is given on financial obligations such as credit cards, personal loans, and medical bills among others. Also explore solutions to pay your mortgage in the state.

Affinity Federal Credit Union - The non-profit operates from the following offices.

73 Mountain View Blvd.
Basking Ridge, New Jersey 07920
Call 800-325-0808 to apply for debt help. Also learn about filing for bankruptcy and foreclosure assistance from the government and local lenders.

Address - 1520 Route 206 North
Bedminister, NJ 07921
Call - 908-860-7237

315 Route 206
Hillsborough, New Jersey 08844




Stop by the office at 1860 Rpite 35 South, or dial the number below to speak to a representative.
Middletown, New Jersey 07748
Telephone numbers - 800-325-0808

1342 Centennial Avenue
Piscataway, NJ 08854
Phone - 908-860-7258

Address - 444 Hoes Lane
Piscataway, New Jersey 08854

Consumer Credit and Budget Counseling, Inc.
299 South Shore Road  US Route 9 South
Marmora, New Jersey 08223
Telephone number - 888-738-8233
Assistance programs for clients include debt reduction plans, credit card hardship programs, bankrupcy filing advice and more.

Consumer Credit Counseling Service of Delaware Valley
This non-profit credit counseling agency is the leading New Jersey organization. They operate offices in most cities and counties around the state. Clients can apply for free or low cost advice (if income limits are met) for HUD foreclosure counseling, debt consolidation and management plans. They can also get general advice and assistance for paying bills. Locations are in the following regions.

  • Address - 221 Market StreetSuite 102
    Camden, New Jersey 08102
  • One Cherry Hill 2000 Rt. 38 Suite 615
    Cherry Hill, NJ 08002
    Telephone: 800-989-2227
  • Main office address - 203 E. Broadway Suite 1020
    Salem, NJ  08070
  • 595 Rancocas Road 
    Westampton, New Jersey 08060





Consumer Credit Counseling Service of New Jersey, Inc.
This non-profit has counselors on staff. They not only help enroll clients in credit card hardship or debt management plans, but they also provide information on filing for bankruptcy. Other services help New Jersey families deal with medical bills, including tips on entering into payment plans.

Office - 185 Ridgedale Avenue
Cedar Knolls, New Jersey 07927

A second location of the NJ agency is location at 100 West Main Street 2nd Floor
Somerville, NJ 08876

Consumer Credit Counseling Service of Central New Jersey
1931 Nottingham Way
Hamilton, New Jersey 08619
Dial 888-379-0604 for information and details on their credit services, including repair, as well as debt management plans. Learn more debt management plans.

Garden State Consumer Credit Counseling, Inc., d/b/a Novadebt
Location - 225 Willowbrook Road
Freehold, New Jersey 07728
Telephone number - 877-892-4557

New Jersey branches of Money Management International, Inc. - Dial (877) 964-2227. A total of 3 offices currently operate in the state. Call or stop by a nearby office for information on how a credit or housing counselor can help you deal with your financial needs.

Address - 3073 English Creek Avenue Suite 3
Egg Harbor Township, NJ 08234

106 Apple Street Suite 105
Tinton Falls, New Jersey 07724

Office is located at 860 Route 168 Suite 104
Turnersville, New Jersey 08012

ClearPoint Financial Solutions, Inc.
One focus is on auto loan payment assistance. This can be very effective in NJ with the reliance on cars. There are other debt, mortgage, and credit card assistance programs also available for families.





001 Debtorcc, Inc.
Location is 378 Summit Avenue
Jersey City, NJ 07306 
Call 1-800-610-3920
They support borrowers of all income levels. Whether a client needs advice on debt payment programs or help budgeting, those services and more are provided by the non-profit.

Family Guidance Center Corp.
1931 Nottingham Way
Hamilton, New Jersey 08619
Phone: 609-586-2574

By Jon McNamara














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