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Texas free credit counseling agencies and programs.

Find information on credit counseling agencies in Texas near you. Numerous non-profit organizations operate in the state and can provide mortgage, debt, and various other forms of assistance to consumers and homeowners. The agencies deal with issues ranging from credit repair to debt management plans, bankruptcy filing, and other financial matters in Texas, and most services are free of charge. More information is below, including how to get help by county.

The non-profits are a great place to call for access to various services, including credit, budget, debt, and general financial counseling. After applying, a certified, highly trained counselor will explore with you all of the options available that can help you get back on track with paying various bills you may be responsible for making. Assistance will be offered in various languages, including Spanish. They help with home loans, credit card, and medical debts among other needs. Also receive assistance in eliminating or consolidating payday loans.

Call a center in Texas near you to learn about state of Texas and federal government mortgage program. There is free housing counseling offered at the same time as enrollment into debt management plans. The bottom line is that people who need help paying their bills can contact a non-profit credit counseling agency in Texas for low cost, or sometimes even free advice. The phone numbers to call to apply or enroll for assistance are listed below.

Regional and local Texas agencies

In addition to these centers, there are credit and housing counselors who focus on towns or cities in Texas. Find the major areas below, or scroll down for even more locations. The non-profits may have additional information on rules and regulations for your community.





1$ Wiser Consumer Education, Inc.
Address - 116 N. Second Street, Suite A
Krum, Texas 76249
Phone number - 972-292-7279

Consumer Credit Counseling Service of Greater Austin, Inc.
If you live in Travis County or Austin and need credit repair or free advice on financial matters, this office may help. Staff also offer tips on whether to file for bankruptcy or not or they just help customers with paying debts and bills. This is the non-profit to call in the Austin region.
1016 LaPosada Drive Suite 290
Austin, Texas 78752
Toll free number: 866-901-2227

Credit Advisors Foundation
Various assistance programs are available including information on how to state to build or improve credit scores. Immigrants and low income families in Texas can get help.

Consumer Credit Counseling Service of Greater San Antonio
Several offices are located around Bexar County and San Antonio. Credit counselors are on location and prepared to offer support for consumer debt, housing, and other financial matters. There are also workshops on helping immigrants build credit.

  • Address - 314 E. Highland Mall Blvd. Suite 306
    Austin, TX 78752
  • 1927 Bedell
    Del Rio, Texas 78840
  • 1200 Ferry Street
    Eagle Pass, TX 78006
  • 151 Valley Hi Drive
    San Antonio, Texas 78221
    Dial this office at 210-979-4300





  • Address of office is 6851 Citizens Parkway
    San Antonio, Texas 78229
  • Address - 516 Jefferson Avenue
    Sequin, TX 78155
    Dial 210-979-4300
  • 1001 Pat Booker Road Suite 201
    Universal City, TX 78148
  • Stop by 216 W. Main or call the number below for information on assistance.
    Uvalde, Texas 78801

1A Bankruptcy Counseling, Inc.

Christian Financial Services
Address - 506 E. Ramsey, Suite 2
San Antonio, Texas 78216 
Main phone - 210-341-5911

Consumer Credit Counseling Service of Greater Dallas, Inc. - Consult with a specialist for free/low cost, and most importantly, confidential advice. They will help you get out of debt, find resources to pay bills, and offer budgeting advice as well which can lead to long term self-sufficiency. They are also a federal government HUD certified housing agency.

Debt Management Plans, DMP, can also be offered to Dallas consumers from this office. These programs can help people pay off credit cards, payday loans, and assist with lowering interest rates. A DMP is one of the most common tools used to eliminate fees and to end collection calls.
Address is 1800 N.W. Loop 281 Suite 201
Longview, Texas 75604

CCCS of Tyler
1001 ESE Loop 323 Suite 250
Tyler, Texas 75701
For details on services, dial 800-396-2227

8737 King George Drive, Suite 200
Dallas, TX 75235





CCCS of Laredo
Office location 5415 Springfield Suite 2-A
Laredo, Texas 78041
Main number is (800) 410-2227

Debt Education and Certification Foundation
114 Goliad Street
Benbrook, Texas 76126
Telephone number - 866-859-7323
Low income families as well as people that are not in the mainstream banking system can enroll into financial counseling. Learn about budgeting, avoiding predatory lenders, and other other skills.

GreenPath, Inc. - They also have several offices around the state of Texas. Find who to contact for free or reduced price debt and/or credit counseling services from this non-profit. Receive free confidential advice that helps you explore budget planning.

Clients of the local offices can learn how to manage and eliminate your credit card debt and other expenses. There are also a variety of resources for settling medical debts. Credit counselors also help Texas families with building savings. GreenPath also operates offices across the nation.

Address is 723 I-35 Suite 210
Denton, TX 76205
Phone number - 888-436-4054

2770 Virginia Parkway Suite 101
McKinney, Texas 75071
Phone number is 888-436-4054

Address - 720 E. Park Boulevard Suite 206
Plano, TX 75074
This office supports the greater Dallas and Tarrant County region. They deal with mortgage foreclosures and can help borrowers enter into debt management plans with their credit card company.

4094 Summerhill Square
Texarkana, TX 75503
Call - 888-436-4054

Address - 634 East Levee Street
Brownsville, Texas 78550
Dial - 888-436-4054

Address - 1706 S. Padre Island Drive
Corpus Christi, TX 78416
Easter Texas residents are supported.

Address - 2203 S. 77 Sunshine Strip Suite C
Harlingen, TX 78550





221 Nolana Suite B
McAllen, Texas 78504

iPayDebt Financial Services, Inc. d/b/a Cornerstone Financial Education
Address - 3011 North Lamar Boulevard
Austin, Texas 78705
Call this center for education, free advice on budgets and general financial counseling.

Texas offices of Money Management International, Inc. ((877) 964-2227)
One of the nation’s biggest non-profit credit counseling organizations. They also have numerous offices located around Texas, and the listing of them is below. A wide range of assistance programs and resources are provided to qualified clients around credit card help, free debt reduction plans, and more.

Some of them include debt consolidation, foreclosure and mortgage delinquency counseling, and budgeting. Review alternatives to a foreclosure that may be available to you such as mortgage modification. A counselor can sometimes work directly with your creditor or bank to enter into installment plans with them, or they help facilitate a solution with all impacted parties.

Main office address - 14141 Southwest Freeway, Suite 1000
Sugar Land, Texas 77478-3494
Phone number - (877) 964-2227

Other locations of MMI are located at:

  • 2718-B S. Medford Drive
    Lufkin, TX 75901
  • 500 Chestnut Suite 1511
    Abilene, Texas 79602
  • Address - 4001 Airport Freeway Suite 520
    Bedford, TX 76021
  • Address - 1161 S.W. Wilshire Suite 116
    Burleson, TX 76028
  • 2100 N. Main Street Suite 224
    Fort Worth, TX 76106
  • Location - 3223 S. Loop 289 Suite 416
    Lubbock, Texas 79423
  • 1275 N. Main Street Suite 101-2
    Mansfield, Texas 76063
  • 3115 Loop 306 Suite 102
    San Angelo, TX 76904
  • 3833 S. Texas Avenue Suite 275
    Bryan, TX 77802
  • 1320 South University Drive Suite 200
    Fort Worth, Texas 77015
  • 11550 Fuqua Suite 350
    Houston, TX 77034
  • 12605 E. Freeway Suite 500
    Houston, TX 77015
  • 1716 Mangum 
    Houston, Texas 77092
  • 4600 Highway 6 North Suite 250
    Houston, Texas 77084
  • Location - 7915 FM 1960 W Suite 130
    Houston, TX 77070
  • Address of the office is - One Greenway Plaza Suite 130
    Houston, Texas 77046
  • 125 W. Main Street
    Humble, TX 77338
  • 12603 S.W. Freeway Suite 625
    Stafford, TX 77477
  • Location - 2501 Palmer Highway Suite 250
    Texas City, TX 77590
  • 25301 Borough Park Drive
    The Woodlands, Texas 77380
  • 1171 E. Central Texas Expressway Suite 302
    Killeen, Texas 76541
  • 2626 JBS Parkway Suite B-103
    Odessa, Texas 79761
  • Address - 6801 Sanger Avenue Suite 202
    Waco, TX 76710

The Mesquite Group, Inc.
600 Six Flags Drive, Suite 400
Arlington, Texas 76011
Phone number of this organization is 817-769-4069

Consumer Credit Counseling Service of Greater Dallas, Inc.
Dallas County and the surrounding region can contact this credit counseling organization for free or low cost advice and services.
6300 I-40 West Suite 106
Amarillo, Texas 79106





Office location is 1600 E Pioneer Parkway Suite 345
Arlington, Texas 76010
Phone number - 800-249-2227

200 N. 13th Street, Suite 208
Corsicana, TX 75110
Call this not for profit at 800-886-2227

Location - 6500 Greenville Avenue Suite 440
Dallas, Texas 75206

Location - 8737 King George Drive
Dallas, Texas 75235
Dial - 800-249-2227
This office can also help with filing for bankruptcy if this is the best step for the family.

1229 E. Pleasant Run Road Suite 214
DeSoto, TX 75115
Toll free phone number - 800-249-2227

Address of center is 4322 N. Beltline SuiteB-207
Irving, Texas 75038
Dial 800-249-2227 for information.

Address - 3939 E. Highway 80 Suite 323
Mesquite, TX 75150

Address - 4210 Kell West Suite 200
Wichita Falls, Texas 76309
Call 800-380-2227 to get information from a specialist

Cricket Debt Counseling

YWCA El Paso del Norte Region
While maybe not as widely known, this may be the leading non-profit organization to call for debt management plans, help for paying loans, and other credit counseling in western Texas. They can help qualified individuals refinance their debts and pay off outstanding bills over a period of time using DMPs, consolidation, or so called hardship programs. Services are offered in Spanish too.
Location - 10712 Sam Snead Drive
El Paso, Texas 79935

115 Davis Street
El Paso, Texas 79907
Phone number to dial for help - 888-533-7502





Address - 313 Bartlett Drive
El Paso, Texas 79912

Main address - 1600 Brown Street
El Paso, Texas 79902

Location - 9135 Stahala
El Paso, Texas 79924
Make an appointment by calling - 888-533-7502

Transformance, Inc.
Main Address is 8737 King George Drive, Suite 200
Dallas, TX 75235
Phone: 214-638-2227
This office is focused on offering free or low cost debt advice. Apply for information on resources to pay or negotiate medical bills as well as credit card debts among other services.

By Jon McNamara

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