Free credit counseling in North Carolina.
A number of credit, housing, and debt counseling agencies operate across North Carolina. Find information, addresses, and phone numbers below on the leading non-profit credit counseling organizations that offer free assistance programs for helping with debts, credit cards, loans, and more. Resources are provided in person or remotely if an office is not near you.
Each of the non-profit organizations will offer their clients a number of services and assistance programs. They can range from debt consolidation and management, to credit and budget counseling or free foreclosure assistance and counseling. Many of the North Carolina non-profit credit organizations are HUD-approved housing counseling agencies too, so they also focus on offering mortgage delinquency and solutions to a delinquent home loan. Or they can provide assistance for clients looking to buy a new home. If it turns out that an individual is too far behind on their monthly bills and debts, then a client can access free or low cost bankruptcy counseling too.
North Carolina housing and credit organizations offer free confidential counseling to all. Many services are free to qualified lower income individuals and others may have a minimal cost. The amount someone may need to pay for the help from a non-profit agency is often based on their income and financial situation.
Ada Jenkins Center
Address of center is - 212 Gamble St., PO Box 1842
Davidson, North Carolina 28036
Phone number - (704) 896-0471
Alliance Credit Counseling
15720 John J Delaney Dr.
Charlotte, NC 28277-2747
Phone - 704.943.0321
Services from the non-profit range from bankruptcy counseling to HUD foreclosure advice and other debt management programs. The credit counseling agency operates across North Carolina.
Brunswick Housing Opportunities
Main address - 3972 Old Ocean Highway 17E
Bolivia, NC 28422
Dial (910) 253-0699 for information on credit counseling. They also assist with home buying programs and provide foreclosure and mortgage help.
Center for Home Ownership - Winston-Salem
Location of the center is 206 N Spruce Street
Winston-Salem, North Carolina 27101
Phone number is (336) 773-0286
This non-profit focuses on addressing housing concerns. So homeowners that are behind on their mortgage can receive advice or assistance in applying for mortgage assistance, including government programs.
315 Clifton Street
Greenville, North Carolina 27858
Phone number - (252) 355-1156
6060-B Six Forks Road
Raleigh, NC 27609
This organization operates both nationally and in Wake County. Low cost debt management plans and other support is provided. Counselors from the free North Carolina organization are focused on helping clients in any way possible, and offer a list of debt assistance programs to families.
Columbus County DREAM Center
Main office address is 403 South Martin Luther King, Jr. Avenue
Whiteville, North Carolina 28472
Call (910) 642-0633 for information on foreclosure prevention and debt consolidation, among other services.
Community Enhancement Agency
611 Old Wilmington Road
Wallace, NC 28466
Dial - (910) 285-9474
Consumer Credit Counseling
Location - 206 North 4th Street
Wilmington, NC 28401
Phone number - (910) 332-8957
Consumer Credit Counseling Service - Davie County
773 Sanford Ave
Mocksville, North Carolina 27028
Consumer Credit Counseling Service - Fayetteville
Office address is 327 North Queen Street
Kinston, NC 28501
Telephone number - (252) 522-8004
Both military members and the general public can use the site. Receive assistance with budgeting, enroll into financial literacy workshops, and credit repair. Counselors can also advice on free credit counseling that is offered to service members.
Consumer Credit Counseling Service - Forsyth County
8064 N Point Boulevard
Winston-Salem, North Carolina 27106
Consumer Credit Counseling Service - Goldsboro Branch
Address is 678 North Spence Avenue
Goldsboro, North Carolina 27534
Call the non-profit at (919) 751-3868
Consumer Credit Counseling Service of Catawba Valley
Location - 720 E. Union Street
Morganton, NC 28655
Dial (828) 322-8958 for help.
Consumer Credit Counseling Service of Durham
Address - 413 Chapel Hill St.
Durham, North Carolina 27701
Call the non-profit agency at (919) 688-3381
Housing and other issues can be addressed by the North Carolina non-profit. Enter into debt management and settlement plans, have a counselor mediate on your behalf, and more.
Consumer Credit Counseling Services
214 E Franklin Blvd
Gastonia, North Carolina 28052
Dial (704) 862-0239 for debt, credit, and foreclosure counseling, as well as bankruptcy advice.
Consumer Credit Counseling Services of Rowan County
1400 West Bank St
Salisbury, NC 28144
Call the non-profit at (336) 991-8725 for HUD counseling, foreclosure assistance, and/or credit repair services.
Consumer Credit Counseling – UFS
601 East Fifth St. Suite 400
Charlotte, NC 28202
Several assistance programs are offered to consumers, including information on credit card hardship programs, DMPs, government mortgage programs such as HARP and more.
Cooperative Extension Service, NC [Cabarrus]
Address: 715 Cabarrus Ave. W.
Concord, NC 28027
Main phone number is (704) 920-3310
Credit Counselors - Family Services of Davidson County
1303 Greensboro St. Ext
Lexington, North Carolina 27295
Phone number - (336) 249-0237
Anyone who is struggling to pay their bills or medical, including medical or hospital, can try this agency for help. Services are also arranged on a sliding fee scale.
Credit Report/Credit Score, OnTrack Financial Education & Counseling
50 South French Broad Avenue
Asheville, North Carolina 28801
Phone number is - (828) 255-5166
Whether it is mortgage help, information on credit card assistance programs, or budgeting advice, the non-profit helps those in need.
Family Service Credit Counseling
1303 Greensboro St Ext
Lexington, NC 27295
Credit repair services and debt reduction is available. Or meet in person with a counselor to learn about the bankruptcy process, when you have no other options available to you.
Family Service of Winston-Salem
610 Coliseum Drive
Winston-Salem, NC 27106
Dial (336) 722-8173 for information on debt reduction, foreclosure prevention, and other financial assistance.
Farmers Home Administration
Address of main office - 1175 South Brady Av
Newton, North Carolina 28658
Telephone number is (828) 465-1221
Individual Development Accounts Program - Davie County
228 Hospital Street
Mocksville, North Carolina 27028
Joint Orange-Chatham Community Action - Mebane
Address is Efland Cheeks
117 Richmond Rd.
Mebane, NC 27302
Everything from financial aid to free housing counseling, information on low cost loans, and other support is offered.
Lexington Housing CDC
11 West 3rd St.
Lexington, NC 27292
Credit agency phone number is - (336) 236-1675
Programs for first home buyers are offered alongside free foreclosure prevention.
Personal Financial Management Program, Marine Corps New River
Bldg AS 90 Curtis Rd
Mccutcheon Field, North Carolina 28545
Veterans, members of the military, and national guard people can try this agency.
United Family Services Cabarru] - UFS
Address - 952 Copperfield Blvd.
Concord, NC 28025
Dial - (704) 786-7918
A number of assistance programs are offered, including debt management plans.
United Family Services @ Lake Norman - UFS
9624 Bailey Road
Cornelius, North Carolina 28031
United Family Services Mecklenburg County
601 E. Fifth St. Ste. 400
Charlotte, North Carolina 28202
Call (704) 332-9034 for an appointment.
Families struggling in the Charlotte area can contact this non-profit. They can help consumer deal with credit card and medical debts, direct them to mortgage programs, and offer foreclosure prevention. All of this and more may be administered.
United Family Services Union County - UFS
Credit center is located at 604 Lancaster Ave.
Monroe, North Carolina 28112