Credit counseling and debt counselors in Washington.
Non-profit credit counseling agencies in Washington state offer a number of services. Most of the services, which are free help people reduce their debt (credit card, medical and auto loans) as well as rebuild their credit scores. The non-profits also provide advice on filing bankruptcy, assist people around budgeting and address other financial needs. Find a free debt or credit counseling organization, including their phone numbers, listed below.
While some of them may be offered for free, based on the applicant’s income, some people will need to pay some costs for the services. Most of the centers provide advice and/or classes on various personal finance literacy issues too. Or clients can work one on one with a credit counselor, on a confidential basis, for assistance in refinancing loans, entering into debt management plans (DMP) and also addressing predatory loans. So people in Washington can learn how to avoid payday or title loan companies or get an alternative. There are also non-profit credit counselors based in Seattle in addition to the list below.
Where to get free debt or credit counseling services in WA state
American Consumer Credit Counseling, Inc.
Call (877) 440-1773 or 866-826-6924
While the main office is in Seattle, it provides both local and phone consultations across all of Washington. Numerous financial assistance programs are administered. Get help in dealing with credit card and medical debts as well as other bills, even including title loans. The agency offers DMP plans to consumers and information on other solutions, such as forbearance and low interest rate payment plans.
Alpha Community Services
Call 419-626-1450
They provide free online and phone consultations in Washington.
Urgent Credit Counseling, Inc.
Call (503) 563-3870 or 866-233-1940
They are based in the NW - Oregon. Most of the services from this national non-profit are online. Consumers can get free education on living within their means.
Federally Approved / Certified Credit and Debt Counselors are available. All of these, on the list here (https://www.justice.gov/ust/credit-counseling-by-state/Washington) provide remote / phone advice, including to Spanish speakers. Everything from debt reduction programs to information on refinancing a loan, assistance with personal debt and other support is arranged.
Apprisen
888-461-2927
The non-profit counseling agency offers various services. Most have to do with both avoiding and eliminating debts, such as hospital, medical, and there is even help for car title loans. A comprehensive approach is used. A number of educational, budgeting, and credit/debt counseling sessions are offered. Also work on a confidential basis with a counselor on debt reduction programs and learn about mortgage assistance.
Money Management International
Dial the agency at 866-889-9347
One of the nations leading not for profit credit counseling agencies. They operate across Washington and the nation. Both in person services and phone consultations are available. A number of programs are available. The staff offer budgeting classes and can advise on housing assistance. Work as well with a specialist to learn about and enter into a debt management plan with your creditors. It can lower your fees, interest rates, and provide other relief. One of the main components of this DMP is they help people reduce their credit card debts through hardship programs.
Debt Reduction Services, Inc.
For phone counseling, call 208-378-0200
OIC of Washington
The office is 309 E 5th Ave, Moses Lake, WA 98837. Phone: (509) 765-9206
While a major focus is on helping people with their home loan, in particular to avoid a foreclosure, other debt relief services are offered by the non-profit too.
PIM Savvy
707 S Grady Way, Renton, WA 98057. Call (206) 565-2961
Free financial coaching / literacy is provided. They help households with budgeting, credit management, banking, as well as financial goal setting. As saving money and investing properly are also key to building wealth.
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