Free credit counseling agencies in Ohio.
Learn how non-profit credit counseling agencies that have offices in Ohio, or that provide remote consultations, can offer free or low cost debt reduction services to consumers. If you need help paying off an auto loan, paying credit cards, or improving your FICO scores, then these organizations may be able to assist with those types of consumer issues. Find where to get free debt or credit counseling near you in OH.
The non-profit organizations in Ohio offer free or low-cost services - based on the clients income and needs. The debt reduction services not only help with credit cards but also medical debt, BNPL loans, and other forms of financial obligations. The organizations also help people manage their finances, which includes everything from budgeting tips to free workshops on investing and more.
In addition, if the family is just too far behind, the counselors at the Ohio credit counseling agencies can provide bankruptcy advice and information on government programs that they may be eligible for. They can even help families apply for free loans which can be a form of consolidation. A list of organizations is below, or look here for non-profit credit counselors based in Cleveland OH - which are in addition to below.
Find a non-profit debt or credit counselor in OH from an agency below
Apprisen - Consumer Credit Counseling Service of the Midwest
Location is 700 Taylor Rd., Gahanna, OH 43230. Call 800-355-2227
This office offers advice in both Spanish and English. Clients can learn about programs to pay down medical or hospital debts, address payday loans, and learn how to rebuild credit scores or even start to accumulate FICO ratings. Learn how to budget, live with your means, and other pro-active solutions. Additional details can also be found on automobile loan payment assistance programs.
American Consumer Credit Counseling
Location is 350 E 1st Ave, Columbus, OH 43201. Call (877) 440-1773
The agency offers mortgage relief and help people facing a foreclosure as well as debt reduction programs. This is the largest non-profit in Ohio, and they may have an office near you. Stop by or call any of the following offices for more free services, including foreclosure advice and ways to get out of debt.
Trinity Credit Counseling, Inc.
The office is at 11229 Reading Road, Cincinnati, OH 45241. Call 513-769-0621
The entire Hamilton County OH area is supported by this office. Clients range from people behind on their mortgage to individuals seeking ways to consolidate medical debts or reduce credit card obligations. The Ohio credit counseling center is free to very low income families. Staff provide a number of services to customers, and those with a very low income may receive free advice. This location also focuses helping immigrants, single moms, and low income families that take out payday loans and getting out of those debts.
Advantage Credit Counseling Service, Inc.
Phone number - 888-511-2227
The non-profit provides remote, online consultations (or over the phone) to residents in Ohio. Services from the non-profit can help people rebuild their credit scores, get out of debt or refinancing student loans. They also provide pre-discharge debtor education and counseling too.
Advantage Debt Management of America
Address - 4424 Aicholtz Rd # H, Cincinnati, OH 45245. Call (513) 480-9194
Certified credit and debt counselors help anyone in need. Whether the client needs advice on filing for bankruptcy, details on student loan assistance programs or help with credit card companies, programs are offered.
Other federal government approved (and certified) non-profits are approved to operate in the state of Ohio. Most of these provide phone consultations or video chat / online, but some have mobile operations from time to time in the state. A wide range of programs are offered, whether help with stopping debt collectors to lender/consumer mediation services, credit card hardship programs, DMP plans and more. Find the list of non-profits here https://www.justice.gov/ust/credit-counseling-by-state/Ohio.
Alpha Community Services
121 West Water Street, Sandusky, OH 44870
The non-profit organization can be reached at 419-626-1450.
Counselors will discuss the clients overall financial situation and take a holistic approach to helping them reduce their credit card debts, lower the interest rates on any loans they have, and enroll individuals in programs such as Debt Management Plans.
MMI - Money Management International
Call 866-889-9347
They are another leading, nationally recognized non-profit debt counseling organization. However they do not have offices in Ohio and only provide remote / phone consultations.
Compass Family & Community Services
Stop by the non-profit agency at 535 Marmion Avenue, Youngstown, Ohio 44502. Dial 330-782-566
The credit counseling organization helps with all financial needs - whether home loans or consumer debt. Get information on foreclosure prevention and details on how to get help with debts, whether credit cards, a car loan or medical debt. The free credit counseling agency in Ohio can assist with a number of bills.
Akron Financial Empowerment Center
1060 Kenmore Blvd, Akron, OH 44314. Main phone: (330) 685-9430
Most of the services are around budgeting / saving money. They also touch on reducing, or reneogitating, any outstanding consumer debt.
GreenPath Financial Wellness
The main number is 844-748-0054
They are a leading non-profit in Ohio with multiple offices as noted below. They help with all sorts of financial obligations, including free foreclosure counseling is available as well as other debt reduction services. Staff will also help families that are receiving harassing calls from collectors. Learn about DMPs, home loan modifications, debt settlement or consolidation programs, and other solutions.
- The main site in the state is at 1 S Main St., Dayton OH, 45402
- Address: 3560 Pentagon Blvd, Beavercreek OH, 45431
- A location is at 2097 N. Bechtle Ave., Springfield, OH 45504
- 1284 E. Ash Street, Piqua OH, 45356
- 8850 Kingsridge Dr., Dayton OH, 45459
- Another site is at 3239 W Siebenthaler Ave, Dayton OH, 45406
Consumer Credit Counseling Service of the Mid-Ohio Valley (CCCS of the MOV)
While based across the river in OH, they provide free or low-cost phone consultations in Ohio. Call (304) 485-3141
Specialists work with people in debt as well as homeowners by offering mortgage assistance. They also deal with everything from bankruptcy to helping struggling individuals avoid some of the scams that take place. Clients of this non-profit can get assistance in refinancing those debts, paying down or off predatory loans (payday, title, etc.) as well as other bills.
Family & Community Services, Inc.
Address: 143 Gougler Ave, Kent, OH 44240. Dial the credit counseling agency at - 330-677-4124
Any family in a hard-ship can sign up for services. The center is involved in issuing debt management programs, will assist with consolidating medical debts, and explore other hardship programs.
Consumer Credit Counseling Service
The main location of the non-profit credit counseling location is 660 S Main St, Dayton, OH 45402
Call 937-643-2227 for information
They arrange a number of credit repair and debt management programs (DMP). Specialists are available for credit card debts and addressing medical bills for families in Ohio. They also offer consultations on when to file bankruptcy and go over the impacts of this.
LifeSpan, Inc
Location: 1900 Fairgrove Avenue, Hamilton, Ohio 45011. Phone: 513-868-3210
A community action agency that also helps people get out of debt and they arrange credit counseling services. They are federal government certified. Local Ohio families, including the working poor and seniors, can learn about programs that help with payday loans, enter into a Debt Management Plan (DMP), and apply for other free services.
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