Free credit counseling agencies and debt counselors in Oregon.
Find a listing of Oregon non-profit credit counseling agencies which tend to offer free services to low-income residents. The programs offered at these organizations will vary by location however both in person and phone consultations are offered. The counselors may offer services such as debt consolidation loans, personal budgeting workshops and help people with improving their credit scores. Find details below on how to get help with debt in Oregon below.
Clients of the non-profit agencies will be able to speak, confidentially, to a federal government certified debt and/or credit counselor. Together you will meet (online or in person)t to review your debt situation (such as credit cards, car loans and medical) and the professional will recommend the best course of action to you that can be used to help you get out of debt. They also help people improve their credit, build an emergency savings even if they have a limited income and in general get on track financially.
Most of the Oregon non-profit locations are also HUD approved housing counselors, meaning they can help a homeowner get back on track with their monthly mortgage payments. The fact is these Oregon credit counselors offer a wide range of services to people in need. In addition to the organizations below, there are other remote/online services that are government approved listed here https://www.justice.gov/ust/credit-counseling-by-state/Oregon.
Where to get online or in-person debt and credit counseling in Oregon
Apprisen
Call 800-355-2227
While headquartered outside of the region, several local partners provide help to Oregon residents as well. Call to get information on free programs that are part of Apprisen, such as budgeting and education classes. They also help people with a mortgage and offer low-cost debt management plans. Phone and in-person consultations are available.
Consumer Credit Counseling Services
This is one of the leading organizations to call for credit and debt reduction services in area. They have multiple offices as noted below. A number of specialists can guide families through various programs. Services include debt reduction (for credit cards and medical), bankruptcy advice, budgeting workshops and much more.
- 251 SW 3rd St, Pendleton, OR 97801. Phone: (541) 276-3856
- 820 Crater Lake Ave # 202, Medford, OR 97504. Phone: (541) 779-2273. They also operate the Improved Credit site at https://improvedcredit.org/.
American Consumer Credit Counseling, Inc
1050 SW 6th Ave, Portland, OR 97204. Call (877) 440-1773
They cover the entire Portland OR metro area. Whether a potential renter in Portland needs help improving their credit so they can lease an apartment or people in credit card or medical debt want to explore settlement programs, help is offered. They also offer DMP, help people stop debt collectors and address other financial needs.
Cricket Debt Counseling
219 SW Stark Street, Portland, OR 97204. Call 866-719-0400
A regional non-profit. They help people explore bankruptcy and the rules/regulations in Oregon. There are also debt forgiveness options, information on Portland emergency loan programs and how to apply to them if needed and more. General financial literacy is offered too.
Access Counseling, Inc.
800-205-9297
Debt Reduction Services, Inc.
Address - 1200 Executive Parkway, Eugene, Oregon 97401. Dial (866) 688-3328 to speak to a representative for more information on the programs and resources provided.
Learn about DMP (debt management plans), settlement, and hardship programs in Oregon. They also help people with student loans. Learn about federal repayment programs, interest rate reductions and other options.
Evergreen Financial Counseling
Call 800-581-3513
Specialists work with consumers on eliminating debt. The non-profit staff will provide suggestions on reducing medical and hospital bills, setting up payment plans and more.
Money Management International, Inc
Call (877) 964-2227
This non-profit is a national organization, but has local offices too. Call to get assistance with budgeting, tips on properly using credit and reducing all types of debts as well as advice on how to improve your credit report. There are plans to help refinance credit card debt or student loans and they help people enter into hardship programs with their lender(s).
- Location of office 645 Waverly Drive, Albany, Oregon 97321
- 1010 NW 14th Street, Bend, OR 97701
- 1200 High Street, Portland, Oregon
Urgent Credit Counseling
219 SW Stark St, Portland, Sw 97204. For details, dial (503) 563-3870
The non-profit helps people in Multnomah, Washington and Deschutes County.
MoneySharp Credit Counseling Inc.
866-200-6825
Get information on their debt and credit services, such as consolidation loans and debt management plans. Other examples include credit card hardship programs.
Community Housing Services
250 Broadalbin St SW #2A, Albany, OR 97321. The contact information is (541) 928-6335
Focuses on addressing foreclosure and mortgage delinquencies. Get information on federal and state of Oregon mortgage relief. Work with HUD approved counselors on finding a solution. However as part of this other financial needs are addressed too.
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