Free or low-cost credit counseling agencies in Texas.
Find information on non-profit credit counseling agencies that operate in Texas, including organizations that have local offices or provide remote services. Counselors will provide debt consolidation services, DMP plans, help low-income families repair or build their credit and so much more. Get more information below on how to get free credit and debt counseling services in TX, including with the organizations phone numbers. The agencies deal with a wide range of financial issues. The goal is to offer affordable or free debt relief services to clients as well as help them improve their long term finances. Both in person and free telephone consultations are offered in TX, including in Spanish. They help with home loans, credit card, and medical debts among other needs. Also receive assistance in eliminating or consolidating payday loans.
List of local Texas credit counseling organizations
Many of the area have Texas have non-profits that focus on those communities . The counselors have offices in which clients can make an appointment to go over their finances, sign up for debt management plans and get other support. Find the major areas below, or scroll down for even more locations. Dallas
El Paso
San Antonio
Non-profits that cover additional areas of Texas and/or provide phone consultations
The government, DOJ, has certified many other credit counseling agencies to provide services in Texas. The programs offered are wide ranging and include resources that help people with their auto loans, credit card or medical debts. All of the DOJ approved organizations also provide support around budgeting and general money management and find government certified credit counselors for TX here https://www.justice.gov/ust/credit-counseling-by-state/Texas . 1$ Wiser Consumer Education, Inc. Main office is at 1400 Preston Road, Plano, TX 75093. Telephone (877) 274-9479 The location provides phone consultations in all parts of Texas. They help with bankruptcy discharge, have programs that rebuild credit scores and in general arrange various counseling services.
Debt Education and Certification Foundation
112 Goliad Street, Benbrook, TX 76126. Telephone 866-859-7323 Free classes and money management workshops are arranged in Texas. They deal with mortgage foreclosures and can help borrowers enter into debt management plans with their credit card company. Low income families as well as people that are not in the mainstream banking system can enroll into financial counseling. Learn about budgeting, avoiding predatory lenders, and other skills. Money Management International, Inc. 12603 Southwest Freeway, Stafford, TX 77477. Telephone (877) 964-2227 or the local extension is (713) 923-6339 There is free housing counseling offered (if needed) at the same time as enrollment into debt management plans. MMI also helps, as needed, people get out of buy now pay loans, they can refinance payday loans and offer other relief. The bottom line is that people who need help paying their bills debt relief can contact MMI for low cost, or sometimes even free advice.
American Consumer Credit Counseling, Inc
13785 Research Blvd, Austin, TX 78750. Phone: (877) 440-1773 If you live in Travis County or Austin and need credit repair or free advice on financial matters, this office may help. Staff also offer tips on whether to file for bankruptcy or not or they just help customers with paying debts and bills. This is the non-profit to call in the Austin region.
Credit Advisors Foundation - Your Bankruptcy Partner
800-625-7725 Various assistance programs are available including information on how to state to build or improve credit scores. Immigrants and low income families in Texas can get help. There are also workshops on helping immigrants build credit .
Greenpath Financial Wellness
They also have a few offices around the state of Texas. Find who to contact for free or reduced price debt and/or credit counseling services from this non-profit. Receive free confidential advice that helps you explore budget planning. Clients of the local offices can learn how to manage and eliminate credit card debt as well as other expenses. There are also a variety of resources for settling medical debts . Credit counselors also help Texas families with building savings. GreenPath also operates offices across the nation. 12415 Old Converse Rd, Live Oak TX 78233 4444 Corona Drive, Corpus Christi TX 78411. Call (800) 333-4357
Christian Financial Services
Address - 130 River Chase Way, New Braunfels, TX 78132. 830-609-6986 Call this center for education, free advice on budgets and general financial counseling. Debt Management Plans, DMP, can also be offered to consumers from this office. These programs can help people pay off credit cards, payday loans, and assist with lowering interest rates. A DMP is one of the most common tools used to eliminate fees and to end collection calls.
Evergreen Financial Counseling
While based in AZ, they provide help to Texas residents. Call 800-581-3513. Consult with a specialist for free/low cost, and most importantly, confidential advice. They will help you get out of debt, find resources to pay bills, and offer budgeting advice as well which can lead to long term self-sufficiency. They are also a federal government HUD certified housing agency.
American Consumer Credit Counseling,
(877) 440-1773 One of the nation’s biggest non-profit credit counseling organizations. They also have numerous offices located around Texas, and the listing of them is below. A wide range of assistance programs are provided to qualified clients around credit card help, free debt reduction plans, and more. A counselor can sometimes work directly with your creditor or bank to enter into installment plans with them, or they help facilitate a solution with all impacted parties.
YWCA El Paso del Norte Region
Location - 10712 Sam Snead Drive, El Paso, Texas 79935. Call (915) 519-0003 or 888-533-7502 While maybe not as widely known, this may be the leading non-profit organization to call for debt management plans, help for paying loans, and other credit counseling in western Texas. They can help qualified individuals refinance their debts and pay off outstanding bills over a period of time using DMPs, consolidation, or so called hardship programs. Services are offered in Spanish too.
Debt Management Credit Counseling Corp.
Call 954-418-1466 This phone consultations are focused on offering free or low cost debt advice. Apply for information on resources to pay or negotiate medical bills as well as credit card debts among other services.