Free credit counseling services in North Carolina.
- number of non-profit credit and debt counseling agencies operate across North Carolina. Find information, addresses, and phone numbers below on the leading organizations that offer free or low-cost services to help people reduce their debts, credit card bills, auto loans, and more. Counseling is provided in person or remotely if an office is not near you and
find information on free credit counselors in NC. Each of the non-profit organizations will offer their clients a number of debt relief type assistance programs . They can range from debt consolidation and management plans to general credit and budget counseling. They also help people with low FICO scores or no-credit history either improve their scores or start to build credit. Many of the North Carolina non-profit credit organizations are HUD-approved housing counseling agencies too, so they also focus on offering mortgage delinquency and solutions to a delinquent home loan. If it turns out that an individual is too far behind on their monthly bills or debts, then a client can access free or low cost bankruptcy counseling too from a non-profit credit counselor in North Carolina. The locations offer confidential counseling to all. Many of the debt relief services are free to qualified lower income individuals and others may have a minimal cost. The amount someone may need to pay for the help from a non-profit agency is often based on their income and financial situation. The main areas of NC covered are immediately below or scroll down the page for more options. Charlotte NC and surrounding area Raleigh NC area and surrounding communities
Where to find a free credit counselor near you in NC
Brunswick Housing Opportunities
Main address - 3470 Old Ocean Hwy, Bolivia, NC 28422. Dial (910) 253-0699 for information. They do help people start to build credit and operate financial literacy services. They also assist with home buying programs and provide foreclosure and mortgage help .
Columbus County DREAM Center
Main office address is 403 South Martin Luther King, Jr. Avenue, Whiteville, North Carolina 28472 Call (910) 642-0633 for information on foreclosure prevention and debt consolidation, among other services. The non-profit will help consumers manage their money, including by paying off credit card or medical debt. Other programs area available as well that help families get on track financially. Center for Home Ownership - Winston-Salem Location of the center is 8064 N Point Blvd, Winston-Salem, NC 27106. Phone number is (336) 773-0286 This non-profit focuses on addressing housing concerns. So homeowners that are behind on their mortgage can receive advice or assistance in applying for mortgage relief, including government programs.
Family Services Inc
773 Sanford Ave, Mocksville, NC 27028. Call (336) 751-4510 They operate consumer Credit Counseling Service for Davie County.
Money Management International - MMI of North Carolina
Call 866-889-9347 Online consultations are provided, including from an office based in central NC. Services from the non-profit range from bankruptcy filing advice / support to HUD foreclosure counseling and other debt management programs. This organization operates both nationally and in NC. Low cost debt relief plans can help people reduce any loans / debts they have, ranging from credit card to auto loans.. Counselors from the free North Carolina organization are focused on helping clients in any way possible, and offer a list of debt assistance programs to families.
Cumberland Community Action Program
Consumer Credit Counseling Services are operated from 2229 Southern Ave, Fayetteville, NC 28306. Call (910) 483-3785 Both military members and the general public can use the site. Receive assistance with budgeting, enroll into financial literacy workshops, and credit repair. Counselors can also advice on free credit counseling that is offered to service members.
Durham Regional Financial Center
3307 University Dr, Durham, NC 27707. Call (919) 688-3381 Housing and other issues can be addressed by the North Carolina non-profit. Enter into debt management and settlement plans, have a counselor mediate on your behalf, and more.
GreenPath Financial Wellness and Self-Help Credit Union of NC
Call 844-306-0258 Several assistance programs are offered to consumers from the national non-profit GreenPath organization and the local Self-Help Credit Union, which is a NC based organization. This includes information on credit card hardship programs, DMPs, government mortgage relief programs and more. The services from Greenpath are income based with the possibility of free debt help or credit repair if the client’s income is low enough. Learn more on GreenPath and Self-Help https://www.self-help.org/personal/services/greenpath-financial-wellness .
Family Services of Davidson County
1303 Greensboro St. Ext, Lexington, North Carolina 27295. Phone number - (336) 249-0237 Credit counselors are available. Anyone who is struggling to pay their bills or debts, including medical or hospital, can try this agency for help. Services are also arranged on a sliding fee scale. Credit Report/Credit Score, OnTrack Financial Education & Counseling
- South French Broad Avenue, Asheville, North Carolina 28801. Phone number is - (828) 255-5166
The western NC mountain are is covered. Learn about negotiating down debts with any creditors, apply for credit card hardship programs and get help with other loans. Whether it is mortgage help, information on credit card assistance programs, or budgeting advice, the non-profit helps those in need.
Family Service of Winston-Salem
1200 S Broad St, Winston-Salem, NC 27101. Dial (336) 722-8173 for information on debt reduction, foreclosure prevention, and other financial assistance.
Federal Government Approved Agencies
The US DOJ, working with other federal groups, also certifies non-profit credit counselors in North Carolina. Most of them over only phone consultations, however the government process will help eliminate any possibility of scams or fraud. Find other NC debt counseling programs. https://www.justice.gov/ust/credit-counseling-by-state/North-Carolina .
Farmers Home Administration - Part of the US Agricultural Department
Address of main office - 1175 South Brady Av, Newton, North Carolina 28658. Telephone number is (828) 465-1221 or (828) 464-5559 While a focus is on the rural community, anyone can use their services. Credit repair services and debt reduction is available. Or meet in person with a counselor to learn about the bankruptcy process, when you have no other options available to you.
Lexington Housing CDC
- 2nd St, Lexington, NC 27292. Credit agency phone number is - (336) 236-1675
Programs for first home buyers are offered alongside free foreclosure prevention. Everything from financial aid to free housing counseling, information on low cost mortgage loans, and other support is offered.
Personal Financial Management Program, Marine Corps New River
Bldg AS 90 Curtis Rd, Mccutcheon Field, North Carolina 28545. Call (910) 449-6110 Veterans, members of the military, and national guard people can try this agency. United Family Services Cabarru] - UFS Address - 952 Copperfield Blvd., Concord, NC 28025. Dial - (704) 786-7918
- number of assistance programs are offered by the non-profit, including low fee debt management plans.