Asesoría de Crédito Sin Fines de Lucro
Estas son agencias sin fines de lucro que ofrecen ayuda con presupuesto y planes de manejo de deudas — no son prestamistas ni empresas de negociación de deudas. La mayoría ofrece una sesión inicial gratuita; los costos del programa más allá de eso varían según la agencia y no siempre están publicados, algo que señalamos honestamente en vez de adivinar.
2 organizaciones verificadas en esta categoría.
- Idiomas
- Not independently confirmed
- Costo
- Free initial credit-counseling session; other debt-management fees are not published on the official location page.
- Formato
- In-person by appointment, phone, and online
Detalles de verificación · última revisión 19 de agosto de 2026
Confirmado de forma independiente
- Address and service format match ACCC's official Miami Beach location page
- BBB: A+ rating, accredited since June 2009
- ACCC states a debt-management plan is not debt forgiveness
No verificado de forma independiente
- Languages supported
- Debt-management-plan fees beyond the free initial session
- Income eligibility criteria
- HUD-approval status
- No exact-name match found in Florida OFR's public license files — a search-file limitation, not a finding of no license
- CFPB shows 6 complaints in the last 24 months, all in the debt/credit-management category
Fuentes revisadas: ACCC's official website (Miami location page) · Florida Office of Financial Regulation public license files (CCA/BFNO) · CFPB Consumer Complaint Database — 24-month exact-name count · CFPB Enforcement Actions index · Better Business Bureau profile
Próxima revisión: 19 de febrero de 2027
- Idiomas
- English, Spanish
- Costo
- Free initial counseling session. Program-specific debt-management-plan costs are not published — confirm exact fees directly.
- Formato
- In-person by appointment, phone, and online
Detalles de verificación · última revisión 19 de agosto de 2026
Confirmado de forma independiente
- Address, phone number, and service format match MMI's official Miami location page
- HUD-approved counseling status, stated by MMI and confirmed in HUD's directory
- BBB: A+ rating, accredited since July 1994
- MMI states directly that it does not lend money or hold client funds
No verificado de forma independiente
- Specific debt-management-plan program costs
- Income eligibility criteria for free vs. fee-based services
- No exact-name match found in Florida OFR's public collection-agency/nonprofit license files — a search-file limitation, not a finding that MMI lacks required licensing
- CFPB shows 13 complaints in the last 24 months (7 in the debt/credit-management category) — recorded as what that index shows, not a verdict on service quality
Fuentes revisadas: MMI's official website (Miami location page) · HUD-approved housing counseling agency directory · Florida Office of Financial Regulation public license files (CCA/BFNO) · CFPB Consumer Complaint Database — 24-month exact-name count · CFPB Enforcement Actions index · Better Business Bureau profile
Próxima revisión: 19 de febrero de 2027
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