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.

Pay off your unsecured debt with affordable monthly payments!


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

Credit Score Analysis Get a written report that shows you specific actions you can take to increase your credit scores. 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

Mortgage Payment Assistance DMCC has been approved as a Florida Hardest-Hit Fund Advisor Agency and can now assist Florida homeowners who have suffered a loss of income or property value with a free program that will help pay your mortgage. 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.

New DMCC Homeless Initiative The DMCC Homeless Initiative has been established to expand the programs and services available for individuals and families experiencing homelessness or at risk of homelessness. DMCC has been providing supportive services for homeless individuals and families to local shelters for over 10 years.

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 provides free education at its online site DMCC University. You can learn everything from creating a balanced budget, understanding and improving your credit, purchasing a home or developing a plan for a successful financial future. You can read from an extensive library of financial articles, watch educational videos, take an educational course online, sign up for our newsletter or use our educational tools and trusted resources to improve your financial health. We also provide free educational seminars for the state of Florida and New York. DMCC University is committed to equip you with the most complete education regarding all areas of your personal finances.  To learn more about what DMCC University offers and how you and your community will benefit, click HERE.

Free Finance Counseling at the Patchogue-Medford Library on October 6th

September 28, 2016

October 6, 2016 from 4:30 pm – 7:30 pm. What are your money goals? Are they as big as hoping to buy a house, or as small as balancing how much money to set aside for groceries versus going out to restaurants? No matter the objective, Patchogue-Medford Library is hosting a series of personalized, one-on-one financial counseling sessions…

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Home Buyer Workshop October 2016

September 28, 2016

Spanish River Library, Boca Raton, FL 9:30 am – 4:30 pm Register Now – Space Limited Call 866-724-3328 Saturday, October 8, 2016, 9:30 am – 4:30 pm Spanish River Library 1501 Spanish River Blvd. Boca Raton, FL 33431   Home Buyer Workshop Flyer

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Free Finance Counseling at the Patchogue-Medford Library on October 25th

September 28, 2016

October 25, 2016 from 4:30 pm – 7:30 pm. What are your money goals? Are they as big as hoping to buy a house, or as small as balancing how much money to set aside for groceries versus going out to restaurants? No matter the objective, Patchogue-Medford Library is hosting a series of personalized, one-on-one financial counseling sessions…

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Free Finance Counseling at the Patchogue-Medford Library on November 3rd

September 28, 2016

November 3, 2016 from 4:30 pm – 7:30 pm. What are your money goals? Are they as big as hoping to buy a house, or as small as balancing how much money to set aside for groceries versus going out to restaurants? No matter the objective, Patchogue-Medford Library is hosting a series of personalized, one-on-one financial counseling sessions that can…

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Free Finance Counseling at the Patchogue-Medford Library on November 17th

September 28, 2016

November 17, 2016 from 4:30 pm – 7:30 pm. What are your money goals? Are they as big as hoping to buy a house, or as small as balancing how much money to set aside for groceries versus going out to restaurants? No matter the objective, Patchogue-Medford Library is hosting a series of personalized, one-on-one financial counseling sessions that can…

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One-On-One Financial Counseling at Centereach Public Library on October 4th

September 28, 2016

October 4, 2016 starting at 4:00 pm until 7:00 pm. Block your 30 minute appointment now. Need help budgeting? Want to improve your credit score? Looking to buy a home? Personalized, one-on-one financial counseling sessions with a bilingual credit counselor can help you realize your money goals. These 30-minute one-on-one sessions are perfect for anyone looking to get fiscally…

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Free Finance Counseling at the Patchogue-Medford Library on November 30th

September 28, 2016

November 30, 2016 from 4:30 pm – 7:30 pm. What are your money goals? Are they as big as hoping to buy a house, or as small as balancing how much money to set aside for groceries versus going out to restaurants? No matter the objective, Patchogue-Medford Library is hosting a series of personalized, one-on-one financial counseling sessions that can…

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