Free credit counseling agencies 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 offered, including debt consolidation, foreclosure help, bankruptcy, and get help with credit repair. They also assist with medical bills as well as a variety of credit card hardships that people may be facing. Find a free credit counselor near you in NJ.
The addresses and phone numbers of the New Jersey non-profit organizations are listed here, with most also giving free phone or online consultations. Low-income families and people with no money may get a free consult, with other clients receiving income-based help from a non-profit. All advise on paying debt is offered in other languages too, including Spanish.
There is help in your area for consumer debt, such as credit cards and medical bills. Non-profit also help people rebuild their credit, pay car loans, and even access other support around budgeting or saving money. 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.
List of free local credit counselors and debt relief programs in NJ
Affinity Federal Credit Union
The non-profit operates from the following offices. While a credit union, they also offer free or low cost budgeting, debt reduction programs and credit repair services to their clients across NJ.
- 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. Call 908-860-7390
- Stop by the office at 254 Easton Ave, New Brunswick, NJ 08901. Or dial the number below to speak to a representative. Telephone numbers - 800-325-0808
- 1342 Centennial Avenue, Piscataway, NJ 08854. Phone - 908-860-7258
- 346 George Street, New Brunswick, NJ 08901. Call 908-860-3535
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, including for personal loans and auto payments. There is also credit card hardship programs, bankruptcy filing advice and more.
Clarifi - Consumer Credit Counseling Service of Delaware Valley
1060 Kings Highway North, Cherry Hill, NJ 08034
This non-profit credit counseling agency is a leading New Jersey organization with services offered in NE PA as well. They operate offices in most cities around the state with local partners and provide free phone or online consults. Clients can apply for free or low cost advice (if income limits are met) for HUD foreclosure prevention, debt consolidation and management plans. They can also get general advice and assistance for paying bills, including past due debt and learn more debt management plans.
American Consumer Credit Counseling, Inc.
221 River St Hoboken, NJ 07030. Main phone: (877) 440-1773
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. Or get free credit repair assistance and information on programs to refinance personal or title loans.
Garden State Consumer Credit Counseling and Navicore Solutions, d/b/a Novadebt
Location - 200 US-9, Manalapan Township, NJ 07726. Telephone number - 877-892-4557
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.
New Jersey Citizen Action
Location is 625 Broad St #270, Newark, NJ 07102. Call (973) 643-8800
Free financial coaching services are offered. This will help people, including low-income families, with debt relief, budgeting tips and investing support among other programs. A wide range of help is provided.
State resources
While not all licensed credit counselors are based in NJ, the state works to track the non-profits that are registered. As they too can offer free or affordable advice on how to get out of debt or save money. The state of NJ debt relief and credit repair agencies are here. https://www.nj.gov/dobi/division_consumers/finance/counselors.html.
InCharge
Call (800) 565-8953
The government certified non-profit is part of the HUD network. They also help with other consumer debt issues. Whether looking to get of a credit card debt or to get a car out of an impound (car loan help), services are offered. They also help people pay their mortgage through refis and other options and provide a host of free services in NJ.
Money Management International, Inc.
The main location is at Mt. Laurel Branch, 309 Fellowship Rd, Mt. Laurel, NJ 08054. Dial (877) 964-2227 or 866-889-9347.
Call or stop by a nearby office for information or meet with a free credit counselor remotely. The non-profit will help people deal with their financial needs. There is information on paying off credit card or medical debt. Or get help from credit builder loans or assistance with refinancing a car loan to save money. There are debt management and settlement plans as well, including for people in NJ with low credit scores.
DebtorEdu - 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.
Jefferson Park Ministries Inc. 4.436 Google reviews
The Family Success Center is at 70 W Grand St, Elizabeth, NJ 07202. Phone: (908) 469-9508
The non-profit has free counseling services, including for people that are in debt. Learn about hardship programs and ways to save money. There is help in dealing with debt collectors and consumer rights arranged too.
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