Money Management International (MMI) (moneymanagement.org) has a 4.6 out of 5 rating on OK.one, based on 101 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 90% rating it 4 stars or higher; The business has replied to 90% of negative reviews; 37 of them were added in the last 12 months. Last updated 2026-08-10.
Debt counseling tells you all cards approved before you sign up. That is NOT true. Know that a credit card company can reject you after you sign up with MMI. I was rejected 4 times by Amex. Each time I called, customer service at MMI they said that I was approved and all set. Each time I was lied to. Now I am in debt collection with AMEX.
Reply from Money Management International (MMI)2024-11-17
Hello, I'm sorry to hear of the trouble getting AMEX set up on the debt management plan. I have located your account and forwarded to management.
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Andrew Auerswald · 2 reviews · Experienced 2024-10-31 ·
★★★★★
An incredible company
An incredible company and even more trustworthy. A true life saver. They were very nice people to talk to and so unbelievably helpful with every question I ever had.I honestly don’t know what I would have done without them.
I can’t thank them enough. I highly recommend to anyone in need of their service. Many thanks over.
Back in 2015, I quit my job without having one. It took me four months to find a job. I finally turned to Money Management International in Nov 2021 because I didn't trust paying the debt collectors directly. They assessed my budget, put me on a payment plan, contacted the collectors, paid them from my monthly payment and all my collection debt was paid by Aug 2024.
By consolidating my collection debt with MMI, I was able to see a light at the end of the tunnel. So grateful this option was available to help relieve this stress from my life. Thank you MMI!
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Genevieve Anderson · 11 reviews · Experienced 2024-10-06 ·
★★★★★
Great company, great experience
Money Management made what felt to me like an insurmountable level debt manageable. They were always friendly and helpful, and made what was very difficult and painful for me tolerable. After 5 years, my debt is finally paid off!!
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Wangui · 2 reviews · Experienced 2023-09-26 ·
★★★★★
Efficient and professional
Money management made paying off my debt easy and fast! I will now be financially responsible, and not spend money I don't have lol. Thank you!
"MMI is a Real Life Saver!"
MMI has been a real lifesaver during my debt crisis. A few years ago, I found myself drowning in debt and didn’t know how I’d make it. I came across MMI on social media about three years ago and decided to give it a try. I had used a similar program after college, so I knew I could stick with it.
The setup was straightforward, and I made adjustments over the years as my income changed—all pretty painless. Communication from MMI was clear and regular, and any time I had a question, they responded quickly via email.
There was a small issue with accessing my account online in the final year, which couldn’t be fixed, but their team responded promptly to my emails, so I never felt uncertain about my progress.
I’m incredibly grateful to MMI for helping me become debt-free. It’s an amazing feeling to plan for my future again, and I truly feel like I had great support from the team at MMI during this journey.
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Sandra · 2 reviews · Experienced 2024-09-15 ·
★★★★★
Mmi has changed our lives
Mmi has changed our lives. Because of money management, we are debt free. Their staff was incredibly, compassionate, kind, and patient. They were always their first us and always went above and beyond their services. They changed our lives and we are completely grateful to them. They come highly recommended, you can trust MMI.
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Carol Shinde · 1 review · Experienced 2024-08-16 ·
★★★★★
Great Experience With MMI
In 2019, I had managed to run up a debt I could never have paid off without the help from Money Management International. I was impressed by the professionalism and compassion I received. In five years I paid off all my debts. It's so nice to no longer have my debts hanging over my head and Money Management International made this possible.
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Michael Abrams · 6 reviews · Experienced 2024-08-01 ·
★★★★★
Representative who assisted me was…
Representative who assisted me was thorough and efficient. Agent kept me up to date on progress of my repayment
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Jeremy Roy · 1 review · Experienced 2024-05-01 ·
★★★★★
I Found the Answer
5 years ago, I went through a divorce and was saddled with 80k in marital debt. Two financial advisors told me I needed to declare bankruptcy. The "debt management" companies I found online were pointless. If you're reading this you likely know the ones where they tell you to stop paying your creditors, open a joint savings account with them and put monthly deposits in. This is pointless because it tanks your credit.
After almost giving up hope, I stumbled upon MMI. They are different. They have relationships with the creditors. You don't stop paying your accounts. They took my debts from 10%-30% interest to 0%-4%. Long story short. I just finished paying off my debt and my credit score never tanked. I couldn't have done it without them.
Thanks, MMI. You saved me more than you'll ever know.
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Mayra Pompa · 1 review · Experienced 2024-04-12 ·
★★★★★
MMI is amazing
MMI is amazing! They helped pay off a significant amount CC debt in 4 years, in a way that worked with my budget.
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Max · 5 reviews · Experienced 2024-06-19 ·
★★★★★
The Worse Money Management Ever
The Worse Money Management Ever. They can not help people who have credit cards or loans with credit unions. Why would I pay you guys a monthly fee and pay one monthly payment to be disbursed to my credit cards if you can not reduce interest on my credit cards? I can do that myself. When I ask for management, there is none available to speak to me—very sorry ass company. I don't believe all these five-star reviews are for real. they are fake.
Reply from Money Management International (MMI)2024-06-20
Hi Max, I am sorry to hear that the debt management plan was not a good fit for you. Credit unions as a group do not have a universal policy with us. Some will work with us at various levels, while others will not. Interest rate concessions are set by creditors, not MMI. If you have not already connected with management, I am available to discuss:
Thomas Nitzsche, Sr. Director
[email protected]
(404) 490-2227
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Natalia Y · 1 review · Experienced 2024-04-26 ·
★★★★★
Great experience
Great experience!
Naomi, thank you for being super knowledgeable, professional and kind. Thank you for the educational conversation, because of you, I feel much stronger and more confident now.
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Dustin Ryan · 1 review · Experienced 2024-05-25 ·
★★★★★
They helped me take a 25% revolving …
They helped me take a 25% revolving APR w chase and got it to a 3% fixed. I paid off 10k and this 100% really happened. Thank you MMI.
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ali rochelle · 1 review · Experienced 2024-05-23 ·
★★★★★
Helped save me from a pile of bills
Helped me manage a tough situation and I’m happy that I didn’t declare bankruptcy like some of my friends did and relatives recommended. Now I’m free of the debt and can buy a house when I’m ready. Thank you.
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Edwin · 2 reviews · Experienced 2024-04-22 ·
★★★★★
Very professional
It's a veryy good company, very professional all the time, costumer service is amazingly, every time I called they helped me a lot without any problem, very kind and profesional agents on the phone, I recomended this program to anyone with my eyes closed
MM is a fantastic organization all the way around. Maura Attardi was fantastic in presenting two custom designed courses for our organization and she went to great lengths to accommodate two hour long back to back sessions in the evening so that everyone could attend at our org.
The material is top notch, the classes are very interactive, and our employees found it to be incredibly helpful. HIGHLY recommend!
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Stephen Dowd · 1 review · Experienced 2024-04-01 ·
★★★★★
MMI is Legit
I spent five years in this program trying correct some not so great money management decisions of my past. I felt like they were with me 100% through it all. Customer service was always courteous and capable. They fit a space that those with debt that has to be negotiated with your creditors, can rely on to get interest rates as low as possible. Make sure you are realistic in a payment plan that you can handle for the length of time you decide on together.
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Tim T. · 1 review · Experienced 2024-01-01 ·
★★★★★
They were great to work with
They were great to work with. They helped us payoff $60000.
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J. G. · 1 review · Experienced 2024-04-09 ·
★★★★★
10/10 recommendation
I can’t say enough how much I recommend MMI to anyone in a position with a lot of debt. I had tens of thousands in credit card debt from poor money decisions when I was younger. Just paying the monthly minimum payments kept me living paycheck-to-paycheck with little hope of being debt-free before I reached retirement. It was a never ending cycle of minimum payments and then using what little available credit I had freed up before maxing out again. I was never going to get debt-free on my own. Thank goodness I met with a local financial advisor who recommended Money Management International to me. The process was so easy and actually made it possible for me to erase all of my credit card debt in just a few years. If you have any hesitation…don’t . You won’t regret being free from debt so much faster than you could ever do it yourself.
