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Free credit counseling in Wake County and Raleigh.

Non-profit credit counseling agencies in Raleigh and across Wake County North Carolina offer free or low cost credit counseling services. This ranges from debt relief programs (for credit cards, auto loans, etc.) to budgeting, saving plans and help with repairing credit scores. Locate a free credit counselor near you in Wake County NC.

While the programs will vary, many of the non-profits offer a wide range of resources. They can include, but are not limited to, budget workshops to help people get control of their financial situation and manage their income. Budgeting can also help people determine financial needs and set goals around paying off debt(s) and achieving long term financial stability.

Another service available across Raleigh NC are low-cost debt management plans for those who have difficulty repaying their credit card, car loans and medical debts. Counselors can help people by renegotiating payments and terms with creditors. Other programs offered to Raleigh residents can provide them with foreclosure prevention, help people learn how to start emergency savings on a low-income and bankruptcy filing assistance.

Where in the Raleigh NC area to get debt relief and credit counseling services

Triangle Family Services
3937 Western Blvd, Raleigh, NC 27606. Dial (919) 821-0790
This is a Wake County office that offers a wide variety of social services, including they help people get out of debt as well as offer financial help. They are also HUD certified and offer services that range from credit card debt reduction programs, home loan modifications, to foreclosure and bankruptcy filing tips.

Passage Home Inc
513 Branch St, Raleigh, NC 27601-2709. Call (919) 834-0666
Low-income families across Wake County will get help, including free matching savings from Individual Development Accounts, VITA income tax filings and so much more.

 

 

 

Consumer Education Services Inc. (CESI)
Programs can help consumers deal with reducing or eliminating medical and credit card debts. Get interest rates reduced, waive fees, and save on your monthly payments.

  • 3801 Lake Boone Trail, Raleigh, NC 27607. Call (919) 785-0725
  • 3724 National Dr, Raleigh, NC 27612. Dial (866) 635-6414

North Carolina Housing Finance Agency
3508 Bush St, Raleigh, NC 27609. Phone (919) 877-5700
A variety of home buying and foreclosure prevention services are arranged. They also have information on a Mortgage Credit Certificate Program, which helps people pay home loans. Or earn about reverse mortgages for seniors.

Telamon Corporation
Address is 5560 Munford Road, Raleigh, NC 27612. Dial (919) 899-9911
The non-profit helps people in debt, future homebuyers and migrants too. Another major focus is on helping rural families  in Wake County build and/or improve credit scores.

Self-Help Credit Union
They offer programs in both Wake County and statewide. Options range from loans for borrowers with low credit scores to financial coaching, money management skills and more, with details here. https://www.self-help.org/personal/services/greenpath-financial-wellness.

Money Management International
Dial 866-889-9347 for information or an appointment.
Can provide confidential, and sometimes free, credit, housing, and debt counseling services. They offer free phone consultations across Wake County with online appointments accepted.

Navicore Solutions
4917 Waters Edge Dr., Raleigh, North Carolina 27606-2459. Call 866-472-4557
Another local office of the national organization. Call for credit counseling, budgeting advice, information on federal government and North Carolina mortgage assistance programs. Many other free debt and credit services are offered to low-income families by the non-profit.

 

 

 

NACA (Neighborhood Assistance Corporation Of America) Wake County office
4112 Pleasant Valley Rd, Raleigh, NC 27612. Phone - 919-855-8484
A HUD certified housing counseling agency. Most of the programs focus on buying a home, or preventing a foreclosure of an existing home. Combined with this is credit repair and more.

 

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By Jon McNamara

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