activities · 32
what they do
direct service · 30
- Bankruptcy Counseling and Education Bankruptcy Counseling & EducationProvides pre-filing bankruptcy counseling and pre-discharge bankruptcy education courses, issuing certificates of participation required for personal bankruptcy proceedings.
- Bankruptcy Counseling and Education Services Bankruptcy Counseling & EducationOffers pre-filing bankruptcy counseling and pre-discharge bankruptcy education courses, issuing certificates required for personal bankruptcy proceedings.
- Debt Management Plans Debt Management & Credit Repair ServicesProvides customized debt management plans that consolidate multiple debts into a single affordable payment without requiring a loan, helping clients repay credit card debt up to 7 times faster, reduce interest rates by up to 75%, and improve credit scores—on average by 82 points—while typically completing the program in as little as 24 months with average interest below 7%.
- Debt Management Plans Debt Management & Credit Repair ServicesProvides customized debt management plans that consolidate multiple debts into a single affordable payment without a loan, reduce interest rates by up to 75%, and help clients become debt-free up to seven times faster, with average completion in 24 months and average interest rates below 7%. Clients typically improve their credit scores, with an average 82-point increase after program completion.
- Debt Management Plans Debt Management & Credit Repair ServicesOffers customized debt management plans that consolidate multiple debts into a single payment, negotiate interest rate reductions (up to 75%), and help clients pay off debt more quickly (up to 7 times faster) with an average interest rate below 7%, typically improving credit scores by 82 points after completion. These plans are available for an average set-up fee of $37 and a monthly fee of $26.
- Debt Resolution Program Debt Management & Credit Repair ServicesOperates a debt resolution program in over 30 states that negotiates with creditors for reduced payoffs, makes payments on behalf of clients, and closes accounts upon settlement, charging an average fee of $26.59 per month.
- Debt Resolution Program Debt Management & Credit Repair ServicesOperates a debt resolution program that negotiates reduced payoffs with creditors, makes payments on behalf of clients, and closes settled accounts, available in over 30 states with an average monthly fee of $26.59.
- Debt Resolution Program Debt Management & Credit Repair ServicesOperates a debt resolution program in over 30 states that negotiates with creditors for reduced payoffs, makes payments on behalf of clients, and closes accounts upon settlement, with an average monthly fee of $26.59 in 2025.
- Debt Resolution Program Debt Management & Credit Repair ServicesOperates a debt resolution program that negotiates reduced payoffs with creditors, makes payments on behalf of clients, and closes settled accounts, offering the service in over 30 states with an average monthly fee of $26.59.
- Disaster Financial Recovery Counseling Permanent and Transitional Housing SupportProvides free post-disaster financial recovery counseling and personalized assistance to disaster survivors through Project Porchlight, including monthly support from a recovery specialist for up to one year.
- Eviction Counseling Emergency Rental Assistance & PreventionOffers eviction counseling to help tenants review options, address underlying causes of eviction, and find resolutions with landlords.
- Financial CounselingProvides 24/7 telephone-based and in-person financial counseling services nationwide, addressing various financial challenges including budget shortages and general financial management.
- HUD-Certified Housing Counseling Homebuyer Education and CounselingProvides consumer housing counseling services certified by the U.S. Department of Housing and Urban Development (HUD).
- Homebuyer Counseling and Education Homebuyer Education and CounselingOffers homebuyer counseling and education programs, including pre-purchase counseling for first-time homebuyers, high-cost loan counseling, and the HomeREACH Mortgage Prep Program. It also provides self-paced online courses like "Essentials for Buying a Home," Framework, and eHome America, all meeting HUD and national industry standards.
- Homebuyer Education Programs Homebuyer Education and CounselingOffers multiple homebuyer counseling and education programs, including the HomeREACH Mortgage Prep Program, and online courses such as "Essentials for Buying a Home," Framework, and eHome America, all meeting HUD and national industry standards, culminating in a certificate and action plan.
- Homebuyer Education Programs Homebuyer Education and CounselingOffers various homebuyer education programs, including the HomeREACH Mortgage Prep Program and self-paced online courses like "Essentials for Buying a Home," Framework, and eHome America, all of which meet HUD and national industry standards and result in a certificate and action plan upon completion.
- Homebuyer Education and Counseling Homebuyer Education and CounselingOffers homebuyer counseling and education programs including in-person and online courses such as Framework, eHome America, and Essentials for Buying a Home, which meet HUD and national industry standards, resulting in a certificate and action plan upon completion; also operates the HomeREACH Mortgage Prep Program with monthly check-ins for those not yet mortgage-qualified.
- Housing Counseling Homebuyer Education and CounselingProvides HUD-certified consumer housing counseling services, including pre-purchase counseling for first-time homebuyers, high-cost loan counseling, and eviction counseling to help tenants find resolutions with landlords.
- Housing Counseling (HUD-Certified) Homebuyer Education and CounselingProvides consumer housing counseling services certified by the U.S. Department of Housing and Urban Development (HUD), including pre-purchase counseling, high-cost loan counseling under HOEPA, and eviction prevention support.
- Housing Counseling Services Homebuyer Education and CounselingProvides HUD-certified consumer housing counseling, including pre-purchase counseling for first-time homebuyers, high-cost loan counseling under HOEPA, and eviction counseling to help tenants resolve housing issues with landlords.
- In-Person Financial Counseling Financial Literacy Education & CoachingOffers in-person financial counseling by appointment at branch offices nationwide, providing personalized guidance on budgeting, debt, and financial planning.
- Post-Disaster Financial Recovery Counseling Permanent and Transitional Housing SupportProvides free post-disaster financial recovery counseling through Project Porchlight, offering personalized assistance and monthly support from a recovery specialist for up to one year to disaster survivors.
- Post-Disaster Financial Recovery Counseling Permanent and Transitional Housing SupportProvides free financial recovery counseling and personalized assistance to disaster survivors through Project Porchlight, including monthly support from a recovery specialist for up to one year.
- Pre-Discharge Bankruptcy Education Bankruptcy Counseling & EducationOffers pre-discharge bankruptcy education courses and issues certificates of participation necessary to complete personal bankruptcy proceedings.
- Pre-Filing Bankruptcy Counseling Bankruptcy Counseling & EducationProvides mandatory pre-filing bankruptcy counseling and issues certificates of participation required for individuals initiating personal bankruptcy proceedings.
- Reverse Mortgage Counseling Foreclosure and Reverse Mortgage CounselingProvides reverse mortgage counseling to homeowners aged 62 and older pursuing a Home Equity Conversion Mortgage (HECM) loan, issuing HECM counseling certificates upon completion.
- Reverse Mortgage Counseling Foreclosure and Reverse Mortgage CounselingProvides mandatory reverse mortgage counseling for homeowners aged 62 and older pursuing a Home Equity Conversion Mortgage (HECM), issuing HECM counseling certificates upon completion.
- Reverse Mortgage Counseling Foreclosure and Reverse Mortgage CounselingProvides mandatory reverse mortgage counseling to homeowners aged 62 and older pursuing a Home Equity Conversion Mortgage (HECM) loan and issues HECM counseling certificates upon completion.
- Telephone and In-Person Financial CounselingProvides 24/7 telephone-based financial counseling and in-person counseling by appointment at branch offices nationwide, including free online and phone counseling to address budget shortages and prevent evictions.
- Telephone and Online Financial CounselingProvides free financial counseling 24 hours a day, 7 days a week via telephone and online platforms, including support for budgeting, debt management, and crisis situations such as eviction or disaster recovery.
capacity building · 2
- Accreditation and Professional Affiliations Professional Training Program AccreditationMaintains accreditation from the Council on Accreditation and is a member of the National Foundation for Credit Counseling and the Financial Counseling Association of America, reflecting adherence to national standards in financial counseling.
- Industry Affiliations and Accreditation Professional Training Program AccreditationMaintains membership in the National Foundation for Credit Counseling and the Financial Counseling Association of America, and is accredited by the Council on Accreditation, demonstrating adherence to national standards in financial counseling.
strategies · 31
how they think
Theories of action extracted from this org's own source material. Click any to see the full field of orgs running the same approach.
- Accessible and Continuous Counseling Support accessible_counselingThe organization ensures continuous access to counseling through 24/7 telephonic support, remote counselor-supported plan finalization via multiple communication channels, and accessible free financial counseling via phone and online, regardless of client location or schedule.
- Accessible and Continuous Counseling Support accessible_counselingEnsures continuous access to counseling services through various channels including 24/7 telephonic support, in-person appointments, and remote, counselor-supported plan finalization, making services available regardless of client location or schedule.
- Client-Centered and Accredited Service Delivery client_centered_accredited_serviceDelivers transparent, supportive, and client-centered services, maintaining high standards through peer-reviewed accreditation and affiliation with professional associations to ensure quality and comprehensive financial counseling.
- Client-Centered and Quality-Assured Service Delivery client_centered_quality_assuranceThe organization delivers services through transparent, supportive, and client-centered approaches, maintaining high standards of service and support through peer-reviewed accreditation and affiliation with national professional organizations to ensure quality and comprehensive service delivery.
- Client-centered, low-barrier service model client_centered_supportReduces financial and psychological barriers to access by offering transparent, supportive, fee-waived or low-cost services that prioritize client dignity, confidentiality, and empowerment throughout the financial recovery process.
- Client-centered, one-on-one financial counseling client_centered_counselingUses personalized, one-on-one counseling with certified credit counselors to conduct in-depth financial assessments and develop tailored action plans, ensuring services are responsive to individual financial circumstances and goals.
- Comprehensive Financial Education financial_educationThe organization delivers structured financial education curriculum focused on budgeting, credit management, identity protection, and homeownership responsibilities, through online, self-paced, and instructor-led formats, to support individuals in rebuilding financial stability and building positive credit histories.
- Credit-friendly and secure data intake credit-friendly data collectionUses soft credit inquiries and secure online systems to collect financial data efficiently while protecting client credit scores and privacy, enabling accurate assessment without added risk.
- Disaster Financial Recovery Support disaster_financial_recoveryGuides disaster survivors through financial challenges by offering personalized recovery planning, assistance with FEMA aid and insurance applications, and providing tools to manage financial obligations, complemented by online peer support and education to navigate recovery and prepare for future events.
- Disaster Financial Recovery Support disaster_financial_recoveryThe organization offers individualized recovery planning and financial navigation support to guide disaster survivors through FEMA aid and insurance applications, providing tools to manage financial obligations and ongoing education and peer support to prepare for future disasters.
- Financial navigation and crisis recovery support eviction_prevention_through_financial_counselingSupports individuals in crisis—such as eviction or disaster—by combining financial counseling with practical navigation of aid systems (e.g., FEMA, insurance) and tools to manage obligations, prevent instability, and promote recovery.
- Flexible, multi-channel service delivery remote counseling supportEnsures accessibility and convenience by offering financial counseling and support through multiple modalities—including 24/7 telephonic, online, in-person, and remote counselor-supported channels—so clients can engage regardless of location, schedule, or crisis context.
- Integrated support services for housing and legal stability integrated_support_servicesCombines financial counseling with targeted support for housing stability—including eviction prevention and reverse mortgage counseling—and offers access to legal services when clients face legal action during debt resolution.
- Low-cost or no-cost service delivery model low_cost_service_modelProvides most financial counseling and education services free of charge, with fee reductions or waivers available, to ensure affordability and accessibility for individuals experiencing financial hardship.
- Multi-channel accessibility for financial services multi_channel_accessEnsures broad access to counseling through a combination of 24/7 telephonic support, remote communication options, online platforms, and in-person appointments at a national network of branches, accommodating diverse client needs and schedules.
- Nonprofit Debt Resolution Model nonprofit_debt_resolutionUtilizes a nonprofit debt resolution approach that consolidates payments, negotiates reduced interest rates with creditors, and offers partial repayment of debts at a lower cost compared to for-profit settlement, aiming to improve financial stability and reduce stress without requiring a loan.
- Nonprofit debt management and resolution model nonprofit_debt_resolutionOffers a nonprofit approach to debt resolution that consolidates payments without requiring a new loan, negotiates reduced interest rates, stops collection calls, and enables faster debt payoff, providing a lower-cost alternative to for-profit settlement services.
- Nonprofit debt management and resolution model nonprofit_debt_counselingUses nonprofit-driven debt management and resolution strategies—including debt consolidation without loans, interest rate negotiation, and partial repayment plans—to reduce client costs, stop collection calls, and accelerate debt payoff more affordably than for-profit alternatives.
- One-on-one personalized financial counseling one-on-one financial counselingUses individualized, one-on-one counseling with certified credit counselors to conduct in-depth financial assessments and develop tailored spending, debt, and action plans, ensuring services are responsive to each client's unique financial situation and goals.
- Personalized Financial Counseling and Planning personalized_financial_counselingProvides individualized financial review, assessment, and repayment planning through one-on-one counseling with certified experts to develop personalized spending and action plans, debt management plans, or recovery plans tailored to specific financial circumstances and goals.
- Personalized Financial Counseling and Planning personalized_financial_counselingThe organization provides individualized financial review and repayment planning through one-on-one counseling with certified experts, conducting in-depth financial assessments to develop personalized spending and action plans tailored to individual circumstances and goals.
- Progressive and readiness-based counseling frameworks progressive_readiness_modelUses phased, progressive models—such as initial assessment, ongoing check-ins, and final readiness sessions—to support clients over time in achieving complex financial goals like homeownership or post-disaster recovery.
- Secure and credit-friendly data collection and intake credit_friendly_intakeUses online intake systems with soft credit inquiries to gather financial data securely and efficiently without impacting clients’ credit scores, enabling accurate assessment and planning while protecting client financial standing.
- Specialized Housing Counseling housing_counselingProvides specialized counseling, including HUD-certified and comprehensive homebuyer counseling, to ensure clients understand the complexities of reverse mortgages, the mortgage process, and responsibilities of homeownership, as well as eviction counseling to address root financial causes of housing instability.
- Specialized Housing Counseling housing_counselingThe organization provides specialized counseling, including HUD-certified guidance for reverse mortgages and comprehensive homebuyer counseling, along with eviction prevention counseling that addresses root financial causes to facilitate resolutions between tenants and landlords.
- Structured Debt Management and Resolution debt_management_planThe organization utilizes a structured debt repayment model that consolidates debt into a single monthly payment by negotiating reduced interest rates with creditors, and offers a nonprofit debt resolution model that negotiates partial repayment of debts at a lower cost compared to for-profit settlement, aiming to improve financial stability and reduce stress.
- Structured Financial Education financial_education_curriculumDelivers structured financial education curriculum and self-paced online modules focused on budgeting, credit management, identity protection, and homeownership responsibilities to support individuals in rebuilding financial stability and preparing for future financial obligations.
- Structured financial education and curriculum delivery financial education curriculumDelivers evidence-based, structured financial education—both in-person and self-paced online—to improve financial literacy in areas such as budgeting, credit management, homeownership, and disaster recovery, supporting long-term financial stability.
- Structured financial education and curriculum-based support financial_education_curriculumDelivers evidence-based financial education through structured curricula—both in-person and self-paced online—to build long-term financial capability in areas such as budgeting, credit management, homeownership, and disaster recovery.
- Third-party affiliations and accreditation for quality assurance accreditation_for_qualityMaintains high service standards through affiliations with national organizations and peer-reviewed accreditation, ensuring accountability, quality, and comprehensive service delivery across financial counseling domains.
- Third-party validation and professional affiliation for quality assurance accreditation_for_service_excellenceMaintains high service standards and credibility through affiliations with national organizations and accreditation bodies—such as the National Foundation for Credit Counseling, HUD, and the Council on Accreditation—to ensure accountability, quality, and comprehensive service delivery.
named programs · 3
what they call their work
Debt Management Plan (DMP)
A structured repayment program that consolidates unsecured debt into a single monthly payment without a loan, negotiates reduced interest rates with creditors, and helps clients become debt-free up to 7x faster than paying independently
Debt Resolution Plan (DRP)
A nonprofit debt settlement program that negotiates partial repayment of delinquent or charged-off debts, often as low as 50% of the original balance, with clients making monthly deposits until settlement agreements are reached
Housing Counseling
HUD-certified counseling services to support consumers with housing-related financial challenges.
relationships · 22
who they work with
- Council on Accreditation Government — Accredited by COA to ensure high standards in service and support for clients and employees.
- Council on Accreditation Government — Accredited by COA, an independent human service accrediting organization that verifies service quality
- Council on Accreditation Government — Accredited by COA, an independent nonprofit human service accrediting organization, through a peer-reviewed process.
- Council on Accreditation Government — Accrediting body that has accredited MMI for meeting high standards in service and support.
- Council on Accreditation Government — Proudly accredited by COA, an independent nonprofit human service accrediting organization that ensures high standards of service and support.
- Financial Counseling Association of America Network — Member association representing financial counseling organizations.
- Financial Counseling Association of America Network — Member of FCAA, a national association representing financial counseling companies providing a range of consumer financial services.
- Financial Counseling Association of America Network — Member of FCAA, a national association representing organizations that provide consumer credit and financial counseling
- Financial Counseling Association of America Network — Member organization providing consumer credit counseling and financial education services through FCAA.
- Financial Counseling Association of America Network — Proud member of FCAA, a national association representing financial counseling companies providing credit counseling, housing counseling, and debt management services.
- HUD Government — Offers homebuyer education programs that meet HUD standards.
- National Foundation for Credit Counseling Network — Longstanding member of the NFCC, the nation’s largest nonprofit financial counseling organization
- National Foundation for Credit Counseling Network — Longstanding member organization of the NFCC, the nation’s largest nonprofit financial counseling organization.
- National Foundation for Credit Counseling Network — Longstanding member organization providing financial counseling services under the NFCC network.
- National Foundation for Credit Counseling Network — Member organization providing financial counseling and education services.
- U.S. Department of Housing and Urban Development Government — Certified by HUD to provide consumer housing counseling as part of its mission to support quality affordable housing and sustainable communities.
- U.S. Department of Housing and Urban Development Government — Certified by HUD to provide consumer housing counseling services
- U.S. Department of Housing and Urban Development Government — Certified by HUD to provide consumer housing counseling services.
- U.S. Department of Housing and Urban Development Government — Certifies MMI to provide consumer housing counseling services.
- U.S. Department of Housing and Urban Development Government — HUD-certifies the reverse mortgage counselors and mandates counseling for HECM loans.
- legal aid organizations Partner — Works alongside legal aid organizations to assist tenants in fighting potentially unlawful evictions.
- tenant advocacy groups Partner — Collaborates with tenant advocacy groups to support tenants facing eviction.