Consumer Credit Counseling

GET YOUR FREE SESSION Get a free no-obligation financial assessment by: 1. Calling 877-833-1745 - available 24/7. (Branch locations are available in some areas, so when you call, you may ask if it's possible to set up an in-person meeting at a branch office.) 2. Completing the credit counseling request form online now. Save My Home Hotline Home foreclosures are up. Are you at risk? If you are facing financial trouble, you may be at risk of missing a mortgage payment. Falling behind on your payments could mean foreclosure! The Union Plus Save My Home Hotline can help. Don't wait until it's too late - call 1-866-490-5361, any time day or night. . "I'm very grateful for this program. The counselors were polite and helpful. They gave me good advice and helped me consolidate my bills into just one payment. I really think this program saved me from bankruptcy." —Leo Wixman, IATSE Local 500, Boynton Beach, FL It Pays to Do the Math In the Budget Game Got money questions? Ask Susan! With this free service, a team of certified counselors will personally respond to your financial questions. Take control of your finances with the easy-to-use loan payment calculator service, financial questionnaires and other tools. Access more consumer credit counseling information here. Get your credit score. Consumer Credit Education 101 Are you struggling with debt? Find resources and tools to help at UnionDebtHelp.org.

Managing your money doesn't have to be a risky business…It's often difficult to choose among the messages bombarding consumers from fraudulent debt management companies and their misleading offers. To help union members take a positive first step, the AFL-CIO's Union Privilege created the Union Plus Credit Counseling program in conjunction with Money Management International (MMI). Certified consumer credit counseling advisors can work together with union members to create a successful program to help you eliminate your debt.

Advice designed and discounted especially for you

Experienced credit counselors listen to you and your needs, then help you develop a plan of action you can follow. No confusing gimmicks or overwhelming options. Just sound advice that'll help you stop collection agencies from controlling your financial life.

Initial counseling

You can get a FREE credit counseling session, budget analysis and advice to get back on the road to financial recovery. Complete the credit counseling request form online now or call 877-833-1745 - available 24/7. Your free session covers:

• Complete financial review and budget analysis
• Assistance in budgeting or advice on sources of additional income
• Advice on how to work with creditors
• A written Action Plan that summarizes your financial situation, provides a budget and timeline for reaching goals, and restates action items
• Referral to a social service organization in your area, if appropriate
• Referral to Union Plus Legal Service or Union Plus Mortgage Assistance program, if appropriate

Debt management plan (DMP)

After the initial session, if you need additional assistance to eliminate debt, your counselor will develop a customized DMP for you. You'll receive a 33% union-member discount on the set-up fee for a DMP.

• In short, a DMP allows you to make one simple monthly payment to MMI, and authorizes MMI to pay each of your creditors on your behalf based on the terms negotiated with them.
• MMI also works with creditors to stop collection, waive or reduce interest charges, and eliminate finance charge or late fees, wherever possible.

Bankruptcy services

Pre-filing bankruptcy counseling and pre-discharge education as required under the new bankruptcy code are also now available.

Learn more about bankruptcy counseling here and bankruptcy education here .

A trusted consumer credit advisor

The Union Plus Credit Counseling provider, Money Management International (MMI), was carefully chosen to protect the interests of union members. All interaction and transactions through this program are strictly confidential.

For over 46 years, MMI and its family of Consumer Credit Counseling Services (CCCS) agencies have helped consumers nationwide by providing high quality, comprehensive credit counseling, education and debt management assistance. MMI is a member of the National Foundation for Credit Counseling (NFCC) and the Association of Independent Consumer Credit Counseling agencies (AICCCA). MMI is the nation's largest full service, non-profit credit counseling agency and currently assists nearly 100,000 clients repay their debts.

MMI is constantly growing and currently has nearly 100 local offices throughout the country. Check for a location near you.

Download a fact sheet (PDF) (a one-page recap suitable for copying). Download a Save My Home Hotline flier (PDF) in English & Spanish suitable for copying. Post an ad in your union newsletter. Email this page to a fellow union member. Become a certified money management volunteer.