Free credit counseling in Utah.
If you need help eliminating debt and live in Utah, then several non-profit credit counseling agencies may be able to assist. The organizations offer local or online consultations and they provide people with a number of resources, including access to debt management plans, refinancing of auto loans, bankruptcy advice, and medical debt reduction programs. Find how to get help from Utah credit counselors near you.
A credit counselor will meet with you, either in person or over the phone. If qualified, they will help people get relief from their creditors. Many of the services in Utah are free or low-cost, such as a DMP. They also have credit card consolidation loans, settlement programs as well as other relief. They offer a multitude of services to those who are struggling and need help.
In addition to dealing with the immediate crisis of unpaid bills, many will offer more long term self-sufficiency type programs, including budgeting, education workshops and money management classes. They also help clients repair / improve their FICO scores with the major credit reporting agencies or consolidate credit card debt. All of these programs can help consumers and homeowners in Utah get back on track with their finances, reduce their debt and also even improve their credit scores.
Local and regional free credit counselors in UT
Globous Financial Relief
Main office is at 1365 Gladiola St, Salt Lake City, UT 84104. Phone number is 801-977-0555 or (801) 977-0444
Programs that are offered can help people of all income and backgrounds who are having difficulty paying their monthly bills gain control of their finances, eliminate debts, and more.
Regional federal certified credit counselors for Utah
The federal government, ranging from DOJ to SBA and others, have a list of free, non-profit certified counselors for Utah as well. They are all based out of state but provide free phone consultations to help people pay their debts, repair their credit, and in general get back on track with their household finances. Find regional credit counseling in UT https://www.justice.gov/ust/credit-counseling-by-state/Utah.
American Consumer Credit Counseling, Inc.
180 N University Ave #270, Provo, UT 84601. Phone: (877) 440-1773
A nation non-profit with local operations in Utah as well. One of the key programs they offer is a Debt Management Plan, or DMP. This is a voluntary program to assist with repayment of credit card debts, medical bills, loans, and more. It is a great tool for eliminating so called unsecured debts as well.
- While the process does take time, if you stick to the terms of it a client can repay most or all of their outstanding debts in anywhere from 36 to 60 months. Other programs offered include Financial and Housing Counseling; Pre-Bankruptcy Advice; and Mortgage/Foreclosure help.
- ACCC in Utah also has debt consolidation loans. The consolidation loans this organization administers will allow individuals who are having trouble meeting their existing obligations to take out a new loan at a lower interest rate, and this new more affordable loan is what is used to pay off one or more existing debts, whether credit card, medical or a car loan.
USU Family Life Center
750 N 950 E, Logan, UT 84322. Phone: (435) 797-7430 or primary phone number is (435) 797-7224
American Credit Foundation
Location of office is 7720 South 700 East, Midvale, UT 84047. Call (801) 208-1000
Services and resources available at this not for profit include general Financial Consumer Credit Counseling. This helps people budget and even build emergency savings on little money which is beneficial for low-income households.
Community Development Corporation Of Utah
Main address: 501 East 1700 South, Salt Lake City, UT 84105. Main number is (801) 994-7222
A number of housing and mortgage assistance programs are offered at this Utah organization. Programs can provide help to homeowners who are unable to pay their mortgage on their own, and/or who are at risk of losing their homes to a formal foreclosure filing. They also help families address other debt issues.
- Some of the free or low cost services provided by this HUD approved agency include information about the legal timelines, details on the foreclosure process, and the counselor can even contact and negotiate with a lender on your behalf. Housing counselors can offer in-depth financial counseling regarding foreclosure avoidance options and referrals as needed.
BYU Counseling And Career Center
1060 E Campus Dr 1500 WSC, Provo, UT 84604. Main number to call for information is (801) 422-3035
Offers some fairly basic credit counseling, repair, debt reduction and similar programs. Specialists can also help people find a new job, gain new skills, offer career advice, and direct people to local job training.
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