NonProfit Credit Counseling

Our credit counseling and debt consolidation services can help you gain control of your financial situation.

We are a nonprofit credit counseling organization committed to educating consumers on financial issues and providing personal assistance to consumers who have become overextended with debt. Our certified credit counselors provide personal assistance through free budget counseling, housing counseling and debt management plans to lower credit card interest rates and monthly payments.


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Our Programs

Debt Relief Services

Debt Management Plans (DMP) Our DMP program can provide you a repayment plan that you can afford for your credit cards, IRS debts, collection accounts and other unsecured debts. It is designed to eliminate or reduce high interest rates, consolidate your debt payments, eliminate over-limit charges and late fees, stop collection calls and payoff your accounts within 5 years or less. Payday Loan Assistance DMCC can get you an affordable repayment plan for your payday loans; PLUS, if you are a Florida resident, a 60 day deferment. Student Loan Assistance DMCC counselors will determine your available options and help you get a forbearance, consolidation or an affordable repayment plan for your federal student loans.

Credit Services

Loan Qualification Assistance DMCC certified housing counselors will provide you a written analysis of your financial situation, including key loan factors such as affordability, debt ratios and credit scores, and an action plan to improve your ability to obtain a loan. Then on an ongoing basis, we will help you implement the action plan to improve your credit worthiness. Identity Protection/Credit Monitoring To protect you from identity theft, DMCC has partnered with SafeIDLock to provide identity protection and credit monitoring services at a discounted rate.

Housing Services

Foreclosure Prevention and Loan Modifications  As a HUD Approved Housing Counseling Agency, DMCC will help you identify the best solution to avoid foreclosure while meeting your personal goals; PLUS, if you are a Florida homeowner, we will prepare your loan modification documents for free. Home Buying Education Learn about the ins and outs of buying a home and, if you are a South Florida resident, obtain the education required for many financial assistance programs. Reverse Mortgage Counseling If you are 62 or older, learn about the loan that pays you and get the required counseling certificate.

Counseling Services

Student Loan Counseling DMCC counselors will help you identify the options available for the repayment of your federal student loans. Bankruptcy Counseling and Education DMCC can provide you the counseling and educational certificates required to file bankruptcy and have your debts discharged. Budget Counseling Speak to a certified credit counselor for a free budget analysis, including recommendations to reduce your spending and repay your debts.

Educational Services

DMCC programs benefit communities by delivering financial literacy education and money management skills through one-on-one counseling and group workshops. We provide free educational seminars and materials and our professional staff of certified credit counselors is trained to meet the specific financial needs of everyone who contacts us. To learn more about what DMCC University offers, click HERE.