Massachusetts Credit counseling firms will study the terms dictated by the creditors and explore ways to reduce payments and interest rates to consumers in a debt management plan.

Before entering into a contract agreement with a credit counseling service company, you should shop around and compare services offered by each financial institution and make an educated decision on which one could fit your needs and budget. Also, check with the Better Business Bureau before signing any contract with a CCCS company.


  • Consumer education about how to avoid incurring debts
  • Planned method of debt relief
  • Consolidation of multiple payments into one lower monthly payment
  • Debt Reduction of 10-50%
  • A chance to be debt free in periods of 3 to 6 years
  • Help to bring delinquent accounts current
  • A fresh start and a way to begin building a positive credit history
  • To minimize the impact of the negative marks on your credit scores
  • Help to correctly fill out forms to apply for debt restructuring arrangements or bankruptcy
  • Mediation between creditor and debtor
  • A Debt Management Plan
  • Ways to regain control over their financial situation
  • Smart negotiation with creditors to repay debt by working out a repayment plan
  • Reduced fees and interest rates
  • Fees and interest reduction

The new bankruptcy law of 2005 requires that consumers to go through credit counseling before filing for bankruptcy.

CONSUMER DEBT CONSOLIDATION - Massachusetts Credit Counseling Services

The Credit Solution, 152 Conant Street Beverly, MA 01915-1600 Phone: (978) 279`1066

Credit Repair 423 Washington Street Brighton, MA 02135-2639 Phone: (617) 782`2430

Consumer Credit Counseling Service 51 Union Street Worcester, MA 01608-1194 Phone: (508) 770`1811

American Credit Counseling Service 4 Taunton Street # 5 Plainville, MA 02762-2138 Phone: (508) 643`4445

Consumer Credit Counseling Service 390 Acushnet Avenue New Bedford, MA 02740-6239 Phone: (508) 990`8100

Consumer Credit Counseling Service, 888 Purchase Street # 319 New Bedford, MA 02740-6256 Phone: (508) 999`2886

Consumer Credit Counseling Service, 100 Cummings Center Beverly, MA 01915-6115 Phone: (978) 921`1670

Consumer Credit Counseling Service, 409 Main Street # 105 Amherst, MA 01002-2488 Phone: (413) 253`4959

Cambridge Credit Counseling 67 Hunt Street Agawam, MA 01001-1920 (800) 527`7595

Consumer Credit Counseling Service 8 Winter Street # 700 Boston, MA 02108-4783 Phone: (617) 482`1134

Consumer Credit Counseling Service 50 Central Street Lowell, MA 01852-1908 Phone: (978) 446`7810

Consumer Credit Counseling Service 1060 Osgood Street # 1 North Andover, MA 01845-1500 Phone: (978) 681`1540

American Credit Counseling Man 3 Bishops Lane Lynnfield, MA 01940-1324 Phone: (781) 334`2893

Consumer Credit Counseling Service 1635 S Ridge Wood Avenue #105 Springfield, MA 01104 Phone: (413) 788`9800

First Call Credit Counseling 533 Locust Street # 3 Fall River, MA 02720-5065 Phone: (508) 675`1112

A & Z Credit Resotation, 120 School Street # R Lexington, MA 02421-7432 Phone: (781) 862`1171

AAA Credit Repair Inc 78 Elm Street Stoneham, MA 02180-1194 Phone: (781) 850`3477

Diversified Credit Service 445 Main Street Woburn, MA 01801-4298 Phone: (781) 970`8966

Commonwealth Credit Repair, Inc 47 Pleasant Street Worcester, MA 01609-3201 Phone: (508) 755`1996

Credit Management Assoc, 305 Whitney Street Leominster, MA 01453-3280 Phone: (978) 537`6486

Credit Care Consultants 33 Cochituate Road Framingham, MA 01701-7914 Phone: (508) 875`8740

American Fair Credit Assn, 850 Providence Highway Dedham, MA 02026-6810 Phone: (781) 329`6468

Montero Credit Management LLC 120 Washington Street # 202B Salem, MA 01970-3523 Phone: (978) 745`3328

Vesta Consumer Credit Service Inc 164 Middlesex Turnpike Burlington, MA 01803-4419 Phone: (781) 270`1400

A American Debt Consolidation, Credit Repair Peabody, MA 01960-5429 Phone: (978) 531`6023

A American Debt Consolidation, Credit Repair Taunton, MA 02780-4288 Phone: (508) 880`2790

Money Management Intl 247 N Main Street Randolph, MA 02368-4172 Phone: (781) 767`9800

A American Debt Consolidation Plymouth, MA 02360 Phone: (508) 746`1969

A American Debt Consolidation 423 Washington Street Brighton, MA 02135-2639 Phone: (617) 782`2430

Money Management Int L Inc 74 Elm Street Worcester, MA 01609-2362 Phone: (508) 798`3762

Consumer Credit Counseling Service Of Southern New England, Inc 8 Winter Street Floor 10 Boston, MA 02108-4705 Phone: (866) 889`9347

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DISCLAIMER: The law will vary depending on your state, jurisdiction and the specifics of your case. The information provided by is intended for educational purposes only. The content on this site should NOT be considered professional legal advice or a substitute for professional legal advice. For such services, we recommend getting a free initial consultation by a licensed Attorney in your state.

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