Johanna Samara

Vice President of Settlement Services

Johanna Samara serves MMI as Vice President of Settlement Services, where she leads the effort to develop and deliver highly affordable alternatives to traditional debt repayment solutions, ensuring that MMI is able to serve the widest range of consumers possible.

Johanna brings over 20 years of expertise in debt settlement, distinguished by her ability to drive business growth and operational excellence. During her 11-year tenure at Achieve (formerly Freedom Financial Network), she spearheaded innovative strategies that helped make settlement more accessible and effective for consumers in financial distress, including the implementation of transformative process changes that set new industry benchmarks. Johanna joined MMI in 2024 to lead the launch of our debt resolution program, designed to support consumers who need assistance with debt but don't qualify for a debt management plan (DMP).

Before her time at Achieve, Johanna led groundbreaking initiatives at Debt Settlement USA, including the industry's first ISO 9001:2008 certification and the successful deployment of a CRM system that streamlined operations and elevated client satisfaction.

Johanna is a certified Six Sigma Green Belt and holds multiple certifications from the American Banking Association in operational risk management, fraud prevention, and mortgage lending compliance. She combines technical expertise with strategic insight to solve complex challenges and foster a culture of accountability and empowerment that inspires teams to consistently exceed performance goals. She holds an Associate Degree in Business Management from Maple Woods College.

Better Business Bureau

MMI is proud to have achieved an A+ rating from the Better Business Bureau (BBB), a nonprofit organization focused on promoting and improving marketplace trust. The BBB investigates charges of fraud against both consumers and businesses, sets standards for truthfulness in advertising, and evaluates the trustworthiness of businesses and charities, providing a score from A+ (highest) to F (lowest).
Financial Counseling Association of America

MMI is a proud member of the Financial Counseling Association of America (FCAA), a national association representing financial counseling companies that provide consumer credit counseling, housing counseling, student loan counseling, bankruptcy counseling, debt management, and various financial education services.
Trustpilot

MMI is rated as “Excellent” (4.9/5) by reviewers on Trustpilot, a global, online consumer review platform dedicated to openness and transparency. Since 2007, Trustpilot has received over 116 million customer reviews for nearly 500,000 different websites and businesses. See what others are saying about the work we do.
Department of Housing and Urban Development

MMI is certified by the U.S. Department of Housing and Urban Development (HUD) to provide consumer housing counseling. The mission of HUD is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD provides support services directly and through approved, local agencies like MMI.
Council On Accreditation

MMI is proudly accredited by the Council on Accreditation (COA), an international, independent, nonprofit, human service accrediting organization. COA’s thorough, peer-reviewed accreditation process is designed to ensure that organizations like MMI are providing the highest standard of service and support for clients and employees alike.
National Foundation for Credit Counseling

MMI is a longstanding member of the National Foundation for Credit Counseling® (NFCC®), the nation’s largest nonprofit financial counseling organization. Founded in 1951, the NFCC’s mission is to promote financially responsible behavior and help member organizations like MMI deliver the highest-quality financial education and counseling services.