Consumer Credit & Budget Counseling

The Union Plus Consumer Credit Counseling Service Difference:

• Free budget analysis session for union members: Request a session online or call 1-877-833-1745.
• Program provider, non-profit Money Management International (MMI), is accredited to provide counseling for labor union members entering bankruptcy
• No set up fee for initial debt management plan (DMP)
• Receive reimbursement of all first year DMP fees after successfully completing 12 months of the plan (union members only).
• Bankruptcy service fee waived.  Call 1-866-279-7197 - use code BUP 99999
• Largest network of local offices for those who don't prefer credit counseling online or by phone
• Consumer credit and money management counseling workshops provided for union members
• Experienced credit counselors are available 24/7.  Call 1-877-833-1745.

Reliable consumer credit counseling services

Managing your money and credit 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 credit counseling service offers.

Labor union families can turn to Union Plus Credit Counseling through Money Management International (MMI).

Advice designed and discounted especially for union members

Certified, experienced consumer credit counseling advisors listen to you and your needs, then help you develop a plan of action for debt repayment that you can follow to help eliminate your debt. 

No confusing gimmicks or overwhelming options. Just sound advice that'll help you stop collection agencies from controlling your financial life.

Budget analysis & credit counseling

You can get a FREE consumer credit counseling session, budget analysis and money management advice to get back on the road to financial recovery. Complete a confidential request for consumer credit counseling online or call 1-877-833-1745 - available 24/7.

Your free session covers:

• Complete financial review, budget analysis and credit management counseling
• 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 your debt management and repayment 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

Credit counseling
features

Debt management plan (DMP)

After the initial credit counseling session, if you need additional assistance to eliminate debt, your counselor will develop a customized debt management plan (DMP) for you. With the Union SAFE grant, you don't need to pay any of the DMP set-up fees. Union members who complete one year on a DMP are also eligible to apply for reimbursement of the monthly fees.

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 debt repayment plan 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. 

To waive the bankruptcy service fee, call the special Union Plus Credit Counseling line at 1-866-279-7197 (use code - BUP 99999) for bankruptcy counseling.

Learn more about MMI's bankruptcy counseling here and bankruptcy education here.

Save my home hotline

The dedicated "Save My Home Hotline", 1-866-490-5361, is available for labor union members to reach HUD-certified counselors to discuss issues surrounding home mortgage payment difficulties. If you're falling behind on payments or expect to fall behind soon (e.g. because of an ARM adjustment), it's much better to act now and call to figure out options.

Mortgage assistance grants are available to assist qualifying labor union members with delinquent mortgage payments; grants are available to union members in:

• Arizona,
• California,
• Connecticut,
• Florida,
• Illinois,
• Maryland,
• Massachusetts,
• Michigan,
• Nevada,
• New Jersey,
• New York,
• Ohio,
• Pennsylvania,
• Texas, and
• Virginia.