Free credit counseling services in Boston MA and Suffolk County.
The Boston Massachusetts area is served by numerous federal government certified non-profit credit counseling agencies. Their goal is, among other things, to help people reduce their debts, pay off credit cards or medical bills, and rebuild their credit if applicable. They offer free in-person consultations or a credit counselor will also provide help over the phone or online. Find a free credit counseling agency near you in Suffolk County MA. The low cost or credit counseling and debt relief programs are extensive. There is foreclosure prevention counseling, DMP - debt management plans, and budgeting to consumers. Other resources include bankruptcy counseling (if needed), credit card debt consolidation and help with paying a car loan among other financial obligations. The primary goal of these organizations, many of which are also HUD certified, is to assist anyone in Suffolk County and Boston who is in financial distress and who needs help paying any type of debt - whether a mortgage or loan. The counseling is offered in Spanish as well if needed.
Locate Boston area free credit counselors
Action for Boston Community Development, Inc. (ABCD) – The local community action agency for Suffolk County. Mostly provides referrals, but can offer some budgeting advice. There is also information on options such as federal government mortgage assistance programs from HUD or FHA. The Boston offices also offer individual financial coaching that can help people learn how to save money more effectively and pay down debts. ABCD main office is at 178 Tremont Street, Boston, MA 02111. For details, call 617-348-6329
- Meridian Street, Boston, Massachusetts, 02128. Dial (617) 567-8857
535 River Street, Mattapan, MA, 02126. Call (617) 298-2045
Boston Home Center/Homeownership Center
Address: 26 Court Street, Boston, MA, 02108 Call (617) 635-4663 for information on housing programs and foreclosure prevention.
- HUD certified housing counseling agency. Get information and help applying for various federal government and state of Massachusetts mortgage relief programs. Also counselors may also be able to help mediate with your bank or lender. Other services include homeowner buying programs, debt management plans for all lenders and reverse mortgages.
Money Management International
Main office: 101 Federal St, Boston, MA 02110. Phone: (617) 423-0938 This national non-profit credit counseling agency has dozens of offices around the country, and this is the local Boston office. Call or stop by to enter into low fee debt management plans. They assist with student loans, help people file taxes and address past due IRS bills and more. Additional services such as pre and post bankruptcy counseling is arranged if needed as well as credit cards for medical needs .
Boston Builds Credit
The organizations help people build credit and improve their FICO scores. As part of this, there is a process to help clients get out of debt, refinance any loans, pay their bills on time and more. As all this is covered by the credit repair services for individuals, no matter their income. Get help from Boston Builds Credit and learn more https://www.bostonbuildscredit.org/ . American Credit Counseling Service, Inc. Location - Four Taunton Street, Plainville, MA, 02762. Phone number is (508) 643-4445 Learn about your rights when it comes to a foreclosure filing or credit card and medical debts. Money management education is available as well from the non-profit.
Allston Brighton Community Development Corporation
18R Shepard St, Boston, MA 02135. Call 617-787-3874 Another local community action agency. Offers many of the same services as ABCD above. They also help people get a help with a down payment for a car as part of their free, non-profit credit counseling services.
Asian Community Development Corporation
Address - 38 Oak Street, Boston, Massachusetts 02111. Telephone number - 617-482-2380
Jamaica Plain Neighborhood Development Corp, or JPNDC
Main location is 31 Germania St Building A, Jamaica Plain, MA 02130. Call (617) 522-2424 The HUD approved non-profit agency helps clients develop a budgeting and spending plan. As part of this, there are tips and resources for reducing debt, refinancing credit cards or auto loans and other support. Citizens' Housing And Planning Association, Inc. Main address - One Beacon St, Boston, MA 02108. Phone number - 617-742-0820
Greater Boston Legal Services
Address - 197 Friend Street, Boston, Massachusetts 02114-1802. Dial 617-371-1234 Can provide legal advice for dealing with predatory home loans, subprime mortgages, and the like. Also may be able to help with debt collectors.
NID-Housing Counseling Boston
Address: 150 Belgrade Ave, Boston, MA 02131. Main number - 617-296-3693
- HUD approved housing counseling agency. Access credit counseling and repair, foreclosure mediation and prevention, reverse mortgages, and other housing programs.
Chelsea Restoration Corporation
Location - 154 Pearl Street, Chelsea, Massachusetts 02150. Phone number - 617-889-2277
Center for Working Families
Location is 7 Palmer St, Roxbury, MA 02119. Dial (617) 541-2671 People in the Boston MA area can get enroll into Debt Management Counseling. This can be a methodical approach to paying off bills. The staff also help people negotiate with lenders, landlords and other parties that money is owned too.
Codman Square Neighborhood Development Corp.
Location is 587 Washington Street, Dorchester, Massachusetts 02124. Call the center at 617-825-4224 Ecumenical Social Action Committee, Inc. Address - 434 Jamaicaway, Boston, MA 02130. Telephone - 617-524-2555 They help low-income families, single moms and others pay their bills and get support. Some of the programs from the not-for-profit range from free credit building sessions, even for people with existing bad credit or no history. There are also debt reduction programs to help people with medical debt or unpaid credit cards and budgeting/savings workshops in Boston.
Neighborhood of Affordable Housing
143 Border St, East Boston, MA 02128. Phone: (617) 567-5882 NACA (Neighborhood Assistance Corporation Of America) 225 Centre St, Roxbury, MA 02119. Call 617-250-6244 Part of the nationwide NACA non-profit organization. While they focus on foreclosure and housing issues, they may be able to direct individuals to free debt counseling programs, including for predatory loans or payday lenders. There is also credit repair, and other bill paying programs.
Nuestra Comunidad Development Corporation
Address is 2565 Washington St, Roxbury, MA 02119. Phone number (617) 427-3599