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Free credit counseling in Maryland.

If you need help with eliminating or reducing your debts in Maryland, get information on non profit credit counseling agencies as well as related organizations. The organizations help borrowers get out of debt (credit card, personal or medical), file bankruptcy, provide information on paying car loans or rebuilding credit and offer many other services. Find a free credit counselor near you in MD.

The locations noted below are federal government certified and approved. Not only may they help with consolidating or reducing debts but they also offer general financial literacy advice, budgeting services and more. Most of the non-profit organizations in Maryland are also federal government certified HUD foreclosure counseling agencies.

The type of free and/or low cost assistance provided from these agencies is immense. No matter the financial challenge that the Maryland family is facing, some form of debt relief or other support is provided. Both in person and phone/online consultations are arranged too, while some non-profit even help families apply for credit builder loans to improve their FICO ratings.

Where in MD to get free credit and debt counseling

Money Management International - Consumer Credit Counseling Service of Maryland and Delaware
The main office is at 6315 Hillside Court, Columbia, MD 21046. Call 866) 550-8004 or 410-747-2050
A leading organization to call for advice and help with debt or credit repair in the state of Maryland. They are government certified for everything they offer, whether foreclosure prevention, debt consolidation, or just standard all budgeting services. There are also free credit counseling consultations for clients in MD as well as well as debt relief for Military members from OneSource. Low income families can often get free help from the organization.

 

 

 

Greenpath
The main number is 866-885-0391
This location provides credit counseling services and debt reduction programs both in the state and nationwide. The main number puts callers into contact with free counselors from the office. Among other things, they may offer free debt consolidation programs to very low income families in Maryland. They also focus on medical bills, auto loans and health care debt expenses.

Baltimore Financial Empowerment Center
Call the center at (410) 396-3100 or get details here. https://moed.baltimorecity.gov/financial-empowerment-center-1.

They support the city and county through the Mayor’s office. Call the number for information on all of their debt and mortgage relief programs.   Hundreds of people from the city and county of Baltimore turn to them for help with debt reduction, credit repairs, and applying for mortgage assistance. They also help people get around with refinancing of car loans and more, with a focus on helping with car loan payments.

United Communities Against Poverty
1400 Doewood Ln, Capitol Heights, MD 20743. The main number is (301) 386-4444
This is a local community action agency, but they also help low-income families that are in debt or that have bad credit. Specialists and other trained professionals are available for confidential support.

Guidewell Financial Solutions
757 Frederick Rd, Catonsville, MD 21228, call (800) 642-2227 or 410-747-2050
The non-profit is part of a network of non-profit credit counseling organization that is also known as Consumer Credit Counseling Service of Maryland and Delaware. Staff, which are certified, can enroll consumers into debt management plans (DMP) which are effective at addressing credit card bills or offer mortgage assistance as well.

Homefree-USA Of The Washington Dc Metropolitan Area
Office address - 8401 Corporate Drive, Landover, MD 20785. Call 855-493-4002
Focus on offer foreclosure and mortgage relief programs as well as helping homebuyers rebuild their credit scores. The goal is to help people get out of debt, build savings, and improve their chance to buy a home or pay an existing home loan.

Credit Solutions Plus
Office is at 7131 Liberty Rd, Gwynn Oak, MD 21207. Call (410) 265-7500
Free or low-cost debt relief is offered. They help people in a hardship get out of credit card debt, pay off predatory loans and improve FICO scores (among other services).

 

 

 

Government certified debt relief agencies in Maryland
In addition to the non-profits listed on this page, the state of Maryland and DOJ have certified other groups to operate in the state. Most offer online or free telephone consults, and find additional approved debt and credit counselors for people in MD https://www.justice.gov/ust/credit-counseling-by-state/Maryland.

Neighborhood Housing Services Of Baltimore
Credit counseling center is located at 25 E. 20th Street, Baltimore, MD 21218. Call 410-327-1200
Whether buying a home in Maryland, or dealing with a late mortgage or tax payment, the non-profit agency offers assistance. Debt relief and foreclosure programs, legal aid, and other credit card help is arranged..

MD Legal Aid
(888) 465-2468
Free lawyers are part of this non-profit, federally funded organization. Seniors, government workers and the low-income can get help in dealing with various lenders as well as debt collection agencies. There are multiple free legal aid offices in the state, and debt relief is combined with information on consumer rights.

Telamon Corporation
31901 Tri-County Way, Salisbury, MD 21804. Call 410-546-4604
Many rural Maryland families turn to this non-profit. The organization can assist the less fortunate. Get help with financial needs. The location will also offer information on budgeting and credit score repair services. Clients can enroll into budgeting classes, understand how to open a bank account, learn about the pros and cons of credit unions, and enroll into other services.

Two other regional non-profit, government certified agencies support Maryland. They include Navicore Solutions (call (800) 992-4557) as well as Consumer Credit Counseling Service in northern VA, and dial (703) 591-9020. Both offer everything from advice on filing bankruptcy to free information on paying off debts. They also help borrowers get loans, improve their financial literacy and assist in other ways.

 

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By Jon McNamara

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