What Clearpoint does

Clearpoint, operating under its legal identity Money Management International (MMI), is a 501(c)(3) nonprofit credit counseling agency founded in 1964 and headquartered in Atlanta, Georgia, with its corporate office in Stafford, Texas. The organization provides direct-to-consumer debt management and financial counseling services to U.S. individuals, with a primary focus on over-indebted consumers carrying high-interest credit card balances. Its core product suite consists of Debt Management Plans (DMP) - structured repayment programs that consolidate unsecured debt into a single monthly payment with negotiated interest-rate reductions - and Debt Resolution Plans (DRP), a settlement-style product in which MMI negotiates partial repayment with creditors. Pricing on DMPs is capped at $75 setup and $69 per month, with a free initial financial review serving as the top-of-funnel conversion mechanism.

Beyond core debt products, Clearpoint operates a broad specialty services portfolio that includes pre-filing and pre-discharge bankruptcy counseling (a federally mandated step), HUD-certified housing and homebuyer counseling, reverse mortgage counseling, student loan counseling, and disaster recovery financial counseling. The firm also publishes an extensive library of free educational resources - blog content, budget guides, a podcast, webinars, workshops, online homebuyer courses, and a dedicated military family program - functioning as both a marketing engine and a public-mission deliverable consistent with its nonprofit charter. The technology stack is not explicitly disclosed and is described only as standard web-based counseling platforms supporting online intake, chat, and email counselor access; no proprietary AI, machine-learning, or platform architecture is mentioned.

The go-to-market motion is direct-to-consumer across three channels: an online self-serve intake flow, a 1-800 phone counseling line (866-260-5996), and physical office locations for in-person sessions. Clearpoint holds accreditations from the Better Business Bureau, the National Foundation for Credit Counseling (NFCC), the Financial Counseling Association of America (FCAA), the Council on Accreditation (COA), and the U.S. Department of Housing and Urban Development (HUD), giving it regulatory standing that for-profit competitors cannot easily replicate. Revenue is generated through DMP and DRP service fees, specialty counseling fees, and likely creditor fair-share contributions, though no revenue figure is disclosed. Headcount is reported at 51-100 employees and the firm is privately held as a nonprofit entity.

Name

Clearpoint

Legal name

Money Management International

Website

https://clearpoint.org

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

51–100 employees

Short description

Clearpoint (operating as Money Management International) is a 501(c)(3) nonprofit credit counseling agency that helps U.S. consumers manage and resolve credit card debt through debt management plans, debt resolution services, and HUD-certified financial counseling across online, phone, and in-person channels.

Ownership category

akta.pro rank

Product category

Credit Counseling Services

NAICS

Collection Agencies (561440), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

akta.pro secondary industries

Debt Management Plans (DMP) & Consolidation Programs (FSAKAIAJ), Credit & Debt Management (Credit Scores, Loans, Repayment) (EDAAAJAC)

Keywords

• Credit counseling
• Debt management
• Financial counseling
• Debt resolution
• Housing counseling

Headquarters

HQ city

Atlanta

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Debt Management Plan Fees: Low-cost debt management solution with fees including an initial set-up fee ($75 maximum) and ongoing monthly fee ($69 maximum). Actual fees based on geographic location and debt level. Financial review is free.
2. Debt Resolution Plan Services: Negotiated debt settlement services at lower cost than for-profit alternatives. MMI negotiates partial repayment of debts with creditors, with fees typically structured around the debt relief provided.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels7 records

Core offering

Clearpoint is a 501(c)(3) nonprofit credit counseling agency that provides personalized debt management plans, debt resolution plans, and online financial counseling. The agency works directly with creditors to negotiate reduced interest rates and consolidated monthly payments for consumers burdened by credit card debt, alongside specialty counseling services for bankruptcy, homebuyer education, reverse mortgages, student loans, and disaster recovery.

Product overview

Money Management International (MMI) is a nonprofit financial counseling organization offering a unified platform of debt relief and financial education services. The core offerings consist of Debt Management Plans (DMP) and Debt Resolution Plans (DRP), supplemented by online counseling access. Specialty services include bankruptcy counseling, disaster recovery counseling, homebuyer counseling, reverse mortgage counseling, and student loan counseling. The company also provides an extensive library of free educational resources including blog posts, budget guides, podcasts, webinars, workshops, online homebuyer courses, and military family education programs. As a 501(c)(3) nonprofit, MMI operates as a single integrated service offering rather than a modular platform architecture.

Differentiator

Problem solved

Functional benefit

Products and services

• Debt Management Plan (DMP) A structured debt repayment program where the agency works with creditors to reduce interest rates and establish a single affordable monthly payment, helping clients pay off unsecured debt typically within five years or less.
• Debt Resolution Plan (DRP) A negotiated debt settlement program in which the agency works with creditors to accept partial repayment of balances, resulting in lower monthly payments than other debt repayment options once an agreed payoff is completed.
• Online Counseling A digital financial review with chat and email access to counselors that produces a custom savings estimate and tailored debt relief plan, enabling clients to begin their debt payoff program online.
• Bankruptcy Counseling Required pre-filing and pre-discharge counseling sessions with official certificates for individuals considering or completing bankruptcy, helping them evaluate alternatives and chart a path forward.
• Disaster Recovery Counseling Financial counseling services for individuals whose home or employment has been impacted by a natural disaster, providing guidance on recovery and financial stability options.
• Homebuyer Counseling HUD-certified housing counseling that prepares individuals for homeownership by walking through the home buying process and helping them make informed financial decisions.
• Reverse Mortgage Counseling Counseling for individuals considering reverse mortgages that explains the implications, options, and financial trade-offs before they commit to a reverse mortgage product.
• Student Loan Counseling Financial counseling focused on student loan management, helping borrowers understand repayment strategies, consolidation, and forgiveness program options.

Quantifiable outcome

• Average $250/month savings on interest payments
• +5 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• National Foundation for Credit Counseling (NFCC)coreStrategic or Co-development PartnerMMI is a longstanding member of NFCC, the nation's largest nonprofit financial counseling organization founded in 1951. NFCC's mission is to promote financially responsible behavior and help member organizations deliver high-quality financial education and counseling services.
• Council on Accreditation (COA)coreStrategic or Co-development PartnerMMI is accredited by COA, an international independent nonprofit human service accrediting organization. COA's peer-reviewed accreditation process ensures organizations provide the highest standard of service and support.
• Financial Counseling Association of America (FCAA)coreStrategic or Co-development PartnerMMI is a proud member of FCAA, a national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and financial education services.
• U.S. Department of Housing and Urban Development (HUD)coreStrategic or Co-development PartnerMMI is certified by HUD to provide consumer housing counseling. HUD's mission is to create strong, sustainable, inclusive communities and quality affordable homes for all, with support services provided through approved local agencies like MMI.

Scale indicators6 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Take Charge America: Nonprofit HUD-approved housing counseling and credit counseling agency; provides DMP, debt counseling, and financial education comparable to MMI's specialty and core services.
• Consolidated Credit Counseling Services of Canada: Nonprofit credit counseling organization offering DMPs, debt consolidation, and financial education — closely aligned services and mission-oriented positioning to MMI.
• Cambridge Credit Counseling: Nonprofit credit counseling agency offering DMP, debt management, and financial education services — overlapping service catalog and accredited nonprofit positioning to MMI.
• Apprisen (now Novadebt / Apprisen Insights): Nonprofit HUD-approved credit counseling and financial education provider — directly comparable service portfolio, including DMP and counseling, to MMI.
• GreenPath Financial Wellness: 501(c)(3) nonprofit credit counseling agency offering DMPs, housing counseling, bankruptcy counseling, and student loan counseling — directly comparable to MMI in services, target customer, and nonprofit/accredited positioning.
• InCharge Debt Solutions: Nonprofit credit counseling organization providing DMPs, credit counseling, housing counseling, and financial education — overlapping service mix, accreditation profile, and direct-to-consumer distribution model with MMI.
• American Consumer Credit Counseling (ACCC): Nonprofit credit counseling agency delivering debt management plans, financial education, and bankruptcy counseling — directly comparable offering and customer segment to MMI.
• MoneyFit / DebtWave (formerly Consumer Credit of Portland): Nonprofit credit counseling and debt management plan provider with HUD-approved housing counseling — directly comparable nonprofit service offering to MMI.

Emerging players

• Accredited Debt Relief: For-profit debt settlement firm competing for stressed credit card borrowers — same end-customer but different business model (fee-for-settlement vs. nonprofit DMP counseling).
• National Debt Relief: Large for-profit debt settlement company targeting the same over-indebted credit card consumer with debt negotiation services — overlapping customer base but different (for-profit, settlement vs. DMP) model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Clearpoint
• YouTubeyoutube.com/user/MoneyManagementInt
• Facebookfacebook.com/moneymanagementint
• LinkedInlinkedin.com/company/moneymanagementinternational
• Instagraminstagram.com/moneymanagementint

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clearpoint