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Consumer Credit Counseling Services in Bartlett, TN

3.9/5

Bartlett, TN's Consumer Credit Counseling Services at 2855 Stage Village Cove offers free debt management and credit counseling.

Data compiled from public sources · Rating from CreditDoc methodology

Consumer Credit Counseling Services Review

Located at 2855 Stage Village Cove in Bartlett, TN, this Consumer Credit Counseling Services location is a standalone facility dedicated to helping residents with credit and debt issues. The office serves the Bartlett community without being part of a larger retail environment, allowing for focused, confidential counseling sessions. While specific hours aren't listed online, you can contact the location directly to schedule an appointment.

At this Bartlett location, trained counselors provide free credit counseling, debt management plans, and financial education tailored to your specific situation. Services include reviewing your credit report, developing a budget, and creating a personalized debt repayment strategy. Whether you're dealing with overwhelming credit card debt or need guidance on rebuilding your credit, the team at this Bartlett office is equipped to help residents navigate their financial challenges.

Visiting this Consumer Credit Counseling Services office in Bartlett is ideal if you're struggling with debt, facing foreclosure, or want to improve your financial literacy. Bring identification and recent financial statements (bank statements, credit card statements, bills) so counselors can give you the most accurate advice. This is a free, confidential service designed specifically for people in the Bartlett area seeking honest financial guidance and practical debt solutions.

Services & Features

Bilingual counseling in English and Spanish
Budget consultation and analysis
Budgeting tools and resources
Collection call and creditor contact intervention
Consolidated single monthly payment plans
Credit card debt review and assessment
Credit score improvement guidance
Debt tracking tools
Financial education blog and articles
Free initial credit counseling session
Interest rate negotiation with creditors
Personalized debt management plans (DMPs)

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Initial credit counseling session is completely free with no obligation
  • Certified counselors create personalized debt management plans tailored to each consumer's budget
  • May negotiate lower interest rates on credit card debt through a DMP
  • Consolidates multiple credit card payments into one monthly payment
  • Available in English and Spanish — bilingual counseling offered
  • Includes access to budgeting tools, debt tracking resources, and educational content
  • Can help reduce collection calls and creditor contact, though not guaranteed

Cons

  • Ongoing debt management plan fees are not clearly disclosed on the website — a 'Service Fee' link is present but provides no detail
  • Cannot provide legal advice; consumers facing creditor lawsuits must hire an attorney separately
  • Cannot guarantee stopping legal action or eliminating collection calls
  • Multiple service subpages return 404 errors, indicating an incomplete or unmaintained web presence
  • No published fee schedule, accreditation details (e.g., NFCC membership), or state licensing information visible on the site

Rating Breakdown

Value
5.0
Effectiveness
3.5
Customer Service
3.5
Transparency
3.5
Ease of Use
3.9

Frequently Asked Questions

What services does Consumer Credit Counseling Services offer?

Consumer Credit Counseling Services offers 12 services including Free initial credit counseling session, Credit card debt review and assessment, Budget consultation and analysis, Personalized debt management plans (DMPs), Interest rate negotiation with creditors, and 7 more.

Who is Consumer Credit Counseling Services best suited for?

Consumer Credit Counseling Services is best suited for Consumers with unmanageable credit card debt who want a structured repayment plan at no upfront cost, People who want free professional guidance before committing to a paid debt relief program, Spanish-speaking consumers needing bilingual financial counseling, Individuals focused on simultaneously reducing debt and improving their credit score.

What are the strengths and weaknesses of Consumer Credit Counseling Services?

Key strengths: Initial credit counseling session is completely free with no obligation; Certified counselors create personalized debt management plans tailored to each consumer's budget; May negotiate lower interest rates on credit card debt through a DMP. Areas to consider: Ongoing debt management plan fees are not clearly disclosed on the website — a 'Service Fee' link is present but provides no detail; Cannot provide legal advice; consumers facing creditor lawsuits must hire an attorney separately.

How does Consumer Credit Counseling Services compare to similar companies?

In the Free Help category, comparable providers include Christian Community Services, Inc., City Title, Greater Memphis Financial Empowerment Center. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.

Quick Facts

Headquarters
2855 Stage Village Cove, Bartlett, TN 38134
BBB Accredited
No
Visit Consumer Credit Counseling Services

CreditDoc Diagnosis

Doctor's Verdict on Consumer Credit Counseling Services

Best suited for consumers overwhelmed by credit card debt who need structured, certified counseling at no upfront cost and are open to a multi-month debt management plan. The main caveat is that ongoing DMP fees are not transparently disclosed on the website, and consumers facing active legal action from creditors will need separate legal counsel.

Best For

  • Consumers with unmanageable credit card debt who want a structured repayment plan at no upfront cost
  • People who want free professional guidance before committing to a paid debt relief program
  • Spanish-speaking consumers needing bilingual financial counseling
  • Individuals focused on simultaneously reducing debt and improving their credit score
Updated 2026-05-08

Similar Companies

Christian Community Services, Inc. logo

Christian Community Services, Inc.

Non-profit empowering underserved families toward economic self-sufficiency through mentoring, financial counseling, and homeownership support since 1997.

4.0/5
BBB: NR

Best for: Nashville-area underserved families seeking to transition from government assistance to self-sufficiency, Families actively committed to homeownership and willing to engage in ongoing mentoring relationships

City Title logo

City Title

City Title (Tennessee Title Services, LLC) is a Middle Tennessee title insurance agency offering real estate closings, title exams, and deed preparation across 11 locations.

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Best for: Home buyers in the Nashville metro area needing a local title and closing agent, Home sellers seeking net sheet estimates and deed preparation in Middle Tennessee

Greater Memphis Financial Empowerment Center logo

Greater Memphis Financial Empowerment Center

Non-profit financial counseling center in Memphis offering free certified financial counselor services and credit education for Shelby County residents.

4.0/5
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Best for: Shelby County residents seeking free, professional financial counseling, Consumers needing general financial guidance and education

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