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Credit counseling offered free and confidentially regarding credit card, medical, and other types of debt. Offers budget counseling and a debt management program where many credit card companies will stop or reduce interest and late fees.

Provides budget and debt counseling and education. Also offers HUD-approved Housing Counseling and education including: pre-purchase, mortgage default and foreclosure prevention, bankruptcy counseling and education and credit report review.

Debt Management Program (DMP) also available for clients to pay unsecured debt (credit cards and loans) at reduced interest and fees.

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Financial Literacy Training
Personal Financial Counseling
Housing Counseling
Offers to learn about persons situation and needs, then help explore options and steps to help stabilize resources. Program support included but not limited to financial assistance, resource referral, budgeting and finance help, prayer and encouragement. Please enter the north door on the east side of the building.

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Personal Financial Counseling
Temporary Financial Assistance
Provides financial counseling, debt management plan, credit report reviews, bankruptcy counseling and education, and pre-purchase education.

Offers veterans (ill or injured post 9/11 veterans within 10 years of discharge) and their families the opportunity to live in a rent-free, single-family home for a period of two to three years while receiving financial counseling and community reintegration support.

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Personal Financial Counseling
General Housing Expense Assistance
Provides financial counseling services to Eastern Iowa. Counseling and educational programming is held in-person and online. Services include housing, budget and credit counseling and financial literacy programs. The goal is to improve the financial capability of those seeking services, as well as raise the level of financial stability in the community.

Negotiates with current creditors to lower or eliminate the interest rate (typically to 2% to 8%) and have clients debt-free in five years or less. There is no prepayment penalty. Clients can leave the program at any time, although the creditors may return the interest rates to previous levels. Regardless of how many creditors are owed, this program works on a single, consolidated monthly payment.

Allows clients to establish an affordable repayment plan with their creditors. MMI acts as an intermediary, negotiating lower monthly payments and reducing/waiving interest rates and penalty fees.

Debt counseling at low cost.

Budgeting assistance.

Pre-filing bankruptcy counseling.

Help interpreting credit reports.

Housing education and counseling.

Community education and speaker's bureau, educational information for companies experiencing layoffs.

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Debt Management
Housing Counseling
Financial Literacy Training
Personal Financial Counseling
Utilizes volunteers to work with seniors on budgeting, sorting through mail, checkbook balancing, and bill paying. This program assists seniors 60 years of age and older who need assistance due to physical or mental disabilities, unpaid bills, inability to read or write, loss of home due to foreclosure, or threats of utility shut-off.
Case managers assist families and individuals experiencing a personal crisis. Information and referrals provided for a variety of needs. Direct services include budgeting, funeral assistance, elder care services, and application/forms assistance for tribal and government programs.

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Personal Financial Counseling
Case/Care Management
Burial/Cremation Expense Assistance
Certificates/Forms Assistance
Native American General Assistance

Free evaluations, assessments, and interventions for problem gamblers. Help line service available 24 hours.

Five week family education program for anyone who wants to learn more about the affects of addiction.

Individual and group counseling.

Presentations to schools, community groups, churches, lawyers, probation, judges and businesses.

Substance abuse evaluations and individual counseling.

Mental health assessments and counseling for individuals, couples, and families. Overspending assessments and counseling.

Financial budgeting assistance.

Anger management.

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Personal Financial Counseling
Gambling Disorder Counseling
Anger Management
Gambling Disorder Support Groups
Offers comprehensive credit counseling services, including certified credit counselors to advise on managing your money and debts, help with developing a budget, and free educational materials and workshops. Also offers debt management services to provide immediate help to those who are in a financial crisis and a long-term plan for debt-free living.
Budget counseling for individuals who are seeking financial stability through budget management.

Works to improve the community's social and economic conditions. Programs are offered in three core service areas of ducation, workforce development and money management.

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Comprehensive Job Assistance Centers
Mentoring Programs
High School Equivalency/GED Test Instruction
Personal Financial Counseling
Computer Literacy Training Programs
Offers financial counseling to help farmers with financial planning and analysis. Services are provided one-on-one and specialists will arrange to meet the farmer for sessions at times and locations that meet the client's needs.
Offers credit counseling, debt relief and management through budget and credit counseling restructuring of monthly debt payments. Types of debts in which CCS can be most beneficial to clients are credit card, medical bills, and finance company debts. Target population are clients that generate enough income to cover their monthly living expenses but run short each month on their debt servicing.
Offers online activities for children and families, family resources for parents, and money management resources.

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Family Resource Centers/Outreach
Home Based Parenting Education
Personal Financial Counseling

Provides basic life necessities that helps keep clients in their homes.

MORE is not able to provide unlimited funds to anyone; however, it is available to provide advice and, if available, some funds to those facing eviction or utility shut-offs. The MORE Center is also a facilitator for Salvation Army assistance.

Those facing eviction or utility shut-off (gas, electric) may visit the MORE Center during regular hours to receive an application. Must provide proof of residence, all family income, 5 day notice to vacate or utility shut-off notice, social security number, and any other pertinent documentation. A case worker will call back to evaluate immediate needs and advise on a course of action.

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Utility Service Payment Assistance
Rent Payment Assistance
Personal Financial Counseling

Offers education on home buying, taxes, business assistance, insurance, budgeting, loan, investments, credit scores, and checking and savings accounts.

Program is offered at the Mexican Consulate.

Offers mortgage delinquency counseling, foreclosure intervention, and reverse mortgage counseling.

Certified consumer credit counselors provide confidential services free of charge. Customized services provided in person, by phone, or by internet/email include:

- Financial Counseling

- Credit Report Counseling

- Debt Management Plans

- Education and Workshops

- Comprehensive Housing Counseling

Debt management plan assists clients who enroll in the program with managing their budget.

Case managers assist families and individuals experiencing a personal crisis. Information and referrals provided for a variety of needs. Direct services include budgeting, funeral assistance, elder care services, and application/forms assistance for tribal and government programs.

Categories

Personal Financial Counseling
Case/Care Management
Burial/Cremation Expense Assistance
Certificates/Forms Assistance
Native American General Assistance
Extension and Outreach provides workshops on money management and personal finances at various times and locations throughout the year. Also have print materials and online information regarding these topics.

Provides pre-filing counseling about filing for bankruptcy and pre-discharge education.