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.
Credit Score Analysis DMCC certified credit counselors will provide you a written analysis of your credit report and specific steps you can take to increase your credit score.LEARN MORE
Counseling Program Our certified credit counselors are here to help you get started organizing your finances with a free counseling session. During your conversation with a counselor, you will go through a review of your budget and debts. We will also discuss your options and provide an abundance of educational resources that will help you accomplish your financial goals.
Debt Management Plans (DMP) Our DMP program is structured to help people that are struggling with unsecured debt such as major credit cards, department store cards and other eligible 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.LEARN MORE
Education Program DMCC not only provides quality credit counseling and debt management plans for our clients, but we also educate the general public on financial, credit and debt issues in order to promote healthy financial habits. We offer seminars and educational materials to local high schools, colleges, universities and community centers. Our educational materials cover an array of topics and when combined with our informative workshops, each participant is guaranteed to learn something valuable.
Financial Literacy Program Debt, Money & Credit Concepts is a proprietary self-study course containing 12 separate lessons. This program features financial topics encountered on a daily basis and incorporates new and exciting information to help you better your own finances. It is available for free online or in a printed workbook. LEARN MORE
Bankruptcy Counseling and Education Bankruptcy is the best option for some individuals for a variety of reasons including job loss, income reduction and medical expenses. DMCC can provide you the pre-filing counseling and post-filing education certificates required. LEARN MORE
Foreclosure Prevention and Loan Modifications Today’s economy has caused many consumers to be confronted with the challenge of making timely mortgage payments; some even become delinquent and face foreclosure. As a HUD Approved Housing Counseling Agency, DMCC will help you identify the best solution to avoid foreclosure while meeting your personal goals free of charge. Our Foreclosure Prevention Program will provide you a written plan of action with a recommended solution to avoid foreclosure based on your personal situation. If your action plan recommends a loan modification through a government program that we can assist you with, we will prepare and submit a loan modification to your mortgage lender on your behalf. All free of charge. LEARN MORE
Reverse Mortgage Counseling DMCC is an Approved Housing Counseling Agency by the U.S. Department of Housing and Urban Development (HUD) to provide Home Equity Conversion Mortgage (HECM) counseling. HECM loans, commonly known as reverse mortgages, provide seniors 62 years or older the ability to obtain lump sums or monthly annuities utilizing the equity in their homes. LEARN MORE
Partner Programs For over 10 years DMCC has offered free educational materials and seminars to companies and private organizations all over the state. Become a partner and let us help your employees and customers get the financial education they need. We can construct an educational program that will assist your employees and customers learn more about managing money and dealing with financial issues so that their personal financial stresses do not affect the overall quality of your business. LEARN MORE
Community Service Programs DMCC’s dedication to the community is an integral part of who we are. We help local charities meet their needs by participating in different drives and providing volunteers. Our employees are enthusiastic about lending a hand and giving not only tangible goods but also their time to serve the different organizations.LEARN MORE