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Free credit counseling in Virginia.

Get help from non-profit credit counseling agencies in Virginia. A number of free services and programs are offered, such as debt consolidation, payday loan elimination, credit repair, mortgage assistance, and much more. All the organizations listed below are certified as government approved, and low to moderate income families in Virginia often get free help.

Credit counselors will meet one on one with qualified clients and provide confidential assistance along with free advice. Based on the results of these sessions, you may partner together to enter into a debt management plan, or the counselor may set up a payment arrange with your bank or creditor on your behalf. Other solutions to reducing credit card and/or medical debts are also reviewed. Or free credit counselors in Virginia help clients with auto loan payments, filing bankruptcy, or eliminating credit card or medical debts.

In addition, many of the Virginia based non-profit agencies also are HUD certified and can provide mortgage delinquency assistance. The organizations help a homeowner either stop a foreclosure in process or prevent a future one. Call one of the credit counseling agencies in Virginia below for information on the services they administer.

Consumer Credit Counseling Services of Hampton Roads, Inc.
2021 Cunningham Drive Suite 400
Hampton, Virginia 23666
Phone number - 1-886-438-2089
Covers the entire Norfolk, Virginia Beach, and so called Hampton Roads Virginia region. A large number of credit counseling, debt consolidation, and housing programs as well as related services are offered for free or at a low fee. Call for information and to learn how to apply.

ClearPoint Financial Solutions, Inc.
This non-profit credit counseling organization has the most locations in Virginia. Get help for payday loans, delinquent mortgages, HUD foreclosure counseling, and of course assistance in getting out of credit card and medical debts. The offices are listed below.

  • 1417 N. Battlefield Boulevard  Building II, Suite 295
    The main office is located at Chesapeake, VA 23320
    Call - 877-422-9046




  • 3701 Boulevard, Suite D
    Colonial Heights, Virginia 23834
    Phone - 877-422-9046
  • 3510 A Avenue
    Fort Lee, VA 23801
  • 2217 Princess Anne Street, Suite 322  Wash Exec Center
    Fredericksburg, Virginia 22401
    The toll free number is 877-422-9046
    This center supports northern Virginia. The staff can go over options for saving money and reducing loans. There is everything from legal aid to debt settlement services and much more.
  • 1901 Walmart Way
    Midlothian, VA 23113
    Dial 877-422-9046 for information on resources.
  • 728 Thimble Shoals Blvd. Suite A
    Newport News, VA 23606
  • 110 Wagner Road
    Petersburg, Virginia 23805
    Call 877-422-9046 to speak to a counselor.
    Provides counseling and credit services to the entire region, including Henrico County.
  • 4605 Commerce Rd.
    Richmond, Virginia 23234
    Speak to a certified credit or housing counselor by dialing 877-422-9046. Another office in Henri co County Virginia is at 8000 Franklin Farms Drive, Richmond, Virginia 23229. The phone number is the same. They focus on rebuilding credit scores, provide help for payday or car title loans, and other support to struggling families..
  • 1658 State Farm Boulevard Suite B
    Charlottesville, VA 22911
    Phone number is 877-422-9046
    Counselors can provide free or low cost advice on housing issues from this center, including help in dealing with late mortgage payments.
  • Address - 661 Arnett Boulevard Suite B
    Danville, Virginia 24540
  • 1600 N. Coalter Street Suite 18B
    Staunton, Virginia 24401





Community Credit Counselors, Inc.
Stop by 1101 Volvo Parkway or dial the number below. Debt reduction and management plans, foreclosure assistance, and credit repair are all offered. This is in addition and among other budgeting and financial assistance programs.
Chesapeake, Virginia 33200
Telephone number - 800-531-5124

  • A second location is at 101 N. Lynnhaven Road Suite 303
    Virginia Beach, VA 23452
    Dial 800-531-5124

Money Management International, Inc. of Virginia
Another national, government certified non-profit credit agency. They have several locations throughout Virginia as indicated below. This organization can also advice on bankruptcy filings and this is in addition to the normal services that are offered. Or learn about a wide range of financial assistance programs for debts, as this national organization specializes in this. Call (877) 964-2227 to reach the non-profit.

  • Address - 801 N. Pitt Street Suite 117
    Alexandria, VA 22314
  • Address - 3927 Old Lee Highway Suite 101E
    Fairfax, Virginia 22030
  • 604  King Street  Suite 007
    Leesburg, Virginia 20175
  • Location - 10629 Crestwood Drive
    Manassas, VA 20109
  • Main office - 300 Franklin Street Suite 231
    Martinsville, Virginia 24112
  • Address - 7000 Peters Creek Road
    Roanoke, Virginia 24019
  • Another office is at 5101-B Backlick Road
    Annandale, Virginia 22003
    Dial 800-747-4222 for information in both English or Spanish.

Center for Child and Family Services
Location is 2021 Cunningham Drive, Suite 400
Hampton, Virginia 23666 
For hours, dial 757-826-2227
The non-profit credit counseling agency offers free or low cost advice. They can advise clients on how to deal with debt collectors, explore programs to lower monthly fees, and much more. Or find additional ways to get help with debt collection agencies.

The Kingdom Ministries, Inc.





Family Financial Education Foundation
Dial the national group at 1-888-292-4333 for education, budgeting skills and advice.

By Jon McNamara


















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