Business Details
Debt Relief and Credit Counseling Services in Minnesota
Consumer Credit Of Minnesota is a trusted nonprofit organization dedicated to helping families restore their financial health. With years of experience in debt management, credit counseling, and financial education, we provide personalized solutions tailored to individual needs. Our team of certified counselors works closely with clients to develop practical budgets, negotiate lower interest rates, and implement structured repayment plans.Recognized for our commitment to transparency and client-centric service, we have earned the trust of thousands through proven results and compassionate support. Our mission remains focused on empowering individuals to achieve long-term financial stability through ethical practices and community-driven programs.
Services
Debt Management Program
Credit Counseling
Bankruptcy Counseling
Student Loan Counseling
Financial Education
Highlights and features
- Nonprofit organization focused on debt relief without upfront fees
- Certified counselors provide personalized financial guidance
- Proven success in reducing interest rates and eliminating debt
- Comprehensive services including bankruptcy and student loan counseling
- Client testimonials highlight exceptional customer service and results
Associations and certifications
- 501(c)(3) Nonprofit Organization
What people say
Customer service is amazing
Turned our lives around
Lowered interest rates to 5.9%
One monthly payment convenience
Helped pay off $20,000 debt
Services
Debt Management Program
Our Debt Management Program consolidates unsecured debts into one affordable monthly payment. We negotiate with creditors to reduce interest rates and eliminate collection calls while helping clients improve credit scores. This structured plan typically pays off debts within 3-5 years through consistent payments and budgeting guidance.
Credit Counseling
Certified counselors provide comprehensive financial assessments and personalized budgeting strategies. Services include credit report reviews, debt repayment planning, and financial education to help clients achieve long-term stability. Sessions are available in-person, by phone, or online for convenience.
Bankruptcy Counseling
We offer pre-bankruptcy counseling and post-filing education workshops as required by federal law. Counselors explain bankruptcy options, alternatives, and long-term implications while providing budgeting tools for financial recovery. Services include certificate issuance for court requirements at low cost.
Student Loan Counseling
Certified specialists analyze federal and private student loan portfolios to identify repayment options and forgiveness programs. Services include document preparation, payment plan optimization, and strategies to avoid default. Free and paid options available for personalized support.
Financial Education
We provide free educational resources on budgeting, credit building, and debt prevention. Programs include workshops, online tools, and school partnerships to promote financial literacy. Materials help clients develop sustainable habits for long-term economic well-being.
Questions
What's the difference between debt settlement and a Debt Management Program?
Debt settlement reduces balances but harms credit reports for 7-10 years. Our Debt Management Program lowers interest rates while maintaining creditworthiness through consistent payments.
Will a Debt Management Program hurt my credit score?
Initial account closures may cause minor declines, but timely payments through our program typically improve scores within a year as debt balances decrease.
How does credit counseling work?
Certified counselors review income, expenses, and debts to create personalized budgets. Sessions include credit report analysis and recommendations for debt repayment and financial management.
What bankruptcy counseling services do you offer?
We provide mandatory pre-bankruptcy counseling and post-filing education workshops. Both services include official certificates needed for court processing at affordable rates.
Can you help with student loan repayment plans?
Our certified counselors analyze loan portfolios to recommend income-driven plans, forgiveness options, and strategies to avoid default while managing monthly payments.
How much does credit counseling cost?
Initial sessions are free. Bankruptcy counseling costs $50 per person with fee waivers available. Debt Management Programs have no upfront fees and charge minimal monthly service fees.
