Consumer Credit Counseling
The Union Plus Consumer Credit Counseling Service Difference:
- Free budget analysis session for union members
- Program provider, non-profit Money Management International (MMI), is accredited to provide counseling for labor union members entering bankruptcy
- 33% labor union member discount on an initial debt management plan (DMP) set-up fee.
- $5 of the monthly DMP fee goes directly toward paying off the debt - allowing union members to eliminate their debts more quickly than with other plans.
- 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.
Get a free no-obligation money & credit assessment
- Call 1-877-833-1745 - available 24/7.
- Credit counseling services are available at branch locations in some areas. Call 1-877-833-1745 to ask if it's possible to set up an in-person meeting at a branch office.
- Complete the confidential credit counseling request form online on the special MMI site for union members
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.
To help labor union members take a positive first step, union families can turn to the Union Plus Credit Counseling program through Money Management International (MMI). Certified consumer credit counseling advisors can work together with union members to create a successful debt repayment plan 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 for debt repayment that you can follow. No confusing gimmicks or overwhelming options. Just sound advice that'll help you stop collection agencies from controlling your financial life.
Starting 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
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Trusted consumer
credit advisor -
Money & credit
management tips - Eligibility
- Customer Service
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. 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 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.
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.
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.
Under revised laws, consumers filing for bankruptcy must have mandatory counseling before they can file. Consumers also must participate in a financial education program before the bankruptcy can be discharged. The Union Plus program is accredited to provide both services.
MMI is constantly growing and currently has nearly 100 local offices throughout the country. Check for a consumer credit counseling office near you.
Money & credit
management tips
- 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 money and credit questions - - takes you to the special MMI site for union members.
- Take control of your money and credit with the easy-to-use loan payment calculator service, financial questionnaires and other tools - takes you to the special MMI site for union members.
- Access more consumer credit counseling information here.
- Get your credit score.
- Consumer Credit Education 101
- Are you struggling with debt? Find debt management resources and tools to help at UnionDebtHelp.org
Eligibility
Consumer credit counseling is currently available in the United States, but not available in Puerto Rico, Guam, Virgin Islands, and Canada.
Who is eligible?
- All dues-paying labor union members
- Retired labor union members
- Spouse, domestic partners, and children (age 18+) may be included
- Widows/widowers of union members
Customer Service
- You can call the Union Plus Credit Counseling Service at 1-877-833-1745 - 24/7.
- Contact information on the Union Plus Money Management International (MMI) site
We realize that sometimes you may need help with a concern about using a Union Plus program. The Union Plus Member Advocacy Program, staffed by OPEIU Local 2 members, is here to help you resolve any problems. Contact us at 1-800-472-2005 (8:30 a.m. - 4:30 p.m. ET, weekdays) or online at UnionPlus.org/Customer.
