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Non-profit credit counseling agency offering free budget, credit, and housing counseling plus debt management programs since 1995.
Data compiled from public sources
Credit Counseling of Arkansas (CCOA), Inc. has operated as a non-profit organization since 1995, serving thousands of families nationwide with financial guidance and debt solutions. The organization is HUD-certified for housing counseling and appears to be affiliated with the National Foundation for Credit Counseling (NFCC), evidenced by their client receiving an NFCC Brighter Financial Future award.
CCOA offers free, no-obligation financial consultations and counseling services across multiple areas: budget counseling, credit report reviews, debt management programs, pre-filing bankruptcy counseling, first-time homebuyer counseling, mortgage delinquency counseling, and reverse mortgage counseling. They claim their debt management program can reduce interest rates, stop fees, and halt collection calls. The organization provides free financial education resources and seminars, with counseling available via phone, in-person, or email (for budget and debt management only).
The company distinguishes itself through certified financial counselors, multiple physical locations in Arkansas (Fayetteville, Bentonville, Fort Smith), and a client-focused approach emphasizing personal relationships. Their reported client outcomes are notable: 93% report better control of finances, 94% use information from classes in their financial practices, and 97% report being closer to becoming debt-free. They accept clients nationwide despite having physical offices in Arkansas.
As a free-help organization, CCOA is appropriate for consumers seeking legitimate, non-profit financial counseling without cost barriers. The main caveat is that debt management programs, while non-predatory, still require commitment to a structured repayment plan, and results depend on individual circumstances and adherence to the counseling plan.
This is state-level context for Free Help consumers in Fayetteville, AR. It does not confirm that Credit Counseling of Arkansas or this specific location is licensed.
State regulator
Arkansas Securities Department
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Credit Counseling of Arkansas offers 12 services including Free budget counseling and personalized financial planning, Credit report reviews and credit improvement advice from certified counselors, Debt Management Program with potential interest rate reduction and fee elimination, Free financial seminars and education resources, Pre-filing bankruptcy counseling, and 7 more.
Credit Counseling of Arkansas has profile signals associated with Families struggling with credit card, medical, or housing debt seeking non-profit guidance context to verify, First-time homebuyers needing HUD-certified counseling before purchase, Homeowners facing mortgage delinquency or considering reverse mortgages, Individuals seeking free financial education and budgeting skills improvement.
Key strengths: listed with no monthly subscription financial consultations and budget counseling with no obligation; HUD-certified housing counseling agency covering homebuying, delinquency, and reverse mortgages; Non-profit status ensures no high-cost lending or fees to verify in debt management programs. Areas to consider: Limited physical locations (only 3 offices in Arkansas); may require phone consultations for out-of-state clients; Debt management program enrollment requires strict budget adherence and commitment to repayment plans, not suitable for all situations.
In the Free Help category, comparable providers include Southern Bancorp Community Partners, Southern Bancorp Community Partners, Southern Bancorp Community Partners. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
CCOA is profile signals for consumers seeking free, legitimate non-profit credit counseling and debt management from certified professionals without fear of predatory practices. The main caveat is that their debt management programs require sustained commitment to structured repayment plans and budget discipline—they provide guidance and negotiation, but cannot eliminate debt or listed refund term specific outcomes.
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