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HUD-approved nonprofit credit counseling and housing assistance organization serving 30 Georgia counties since 2001, offering financial literacy and foreclosure prevention.
Data compiled from public sources
Totally Free, Inc. is a 501(c)(3) nonprofit organization founded in July 2001 with a mission to help individuals struggling with excessive debt and housing instability. The organization emerged from a grassroots passion to fill a knowledge gap in financial empowerment and has grown significantly over two decades to serve over 5,000 clients across its service area.
The organization provides a comprehensive suite of services including credit improvement counseling, foreclosure prevention assistance, homeownership education and certification programs (including down payment assistance preparation), financial literacy training, and discount home sales facilitation. They serve 30 counties across Georgia and maintain credentials through HUD approval and NeighborWorks America (a congressionally-founded organization) staff certifications, ensuring their counseling meets federal standards.
Totally Free, Inc. distinguishes itself through deep community integration and institutional recognition. The organization received a Magnolia Award for Outstanding Homeownership Achievement in Housing Counseling from the Georgia Department of Community Affairs in 2005, serves as the Community Housing Resource Assistance Board Chair for Brunswick, and participates in Georgia Initiatives for Community Housing (GICH) teams in Glynn and Camden Counties. This positioning indicates sustained credibility and established partnerships rather than a newer startup model.
However, potential clients should note several limitations: the organization operates exclusively in Georgia (30 counties only), making it geographically restricted. The website provides limited detail on specific program eligibility requirements, waiting times, or detailed service costs. While they mention partnerships offering affordable homes and lending products, the organization explicitly states clients are under no obligation to use these services, suggesting they function primarily as educational/counseling entities rather than direct financial service providers.
This is state-level context for Free Help consumers in Brunswick, GA. It does not confirm that Totally Free, Inc. or this specific location is licensed.
State regulator
Georgia Department of Banking and Finance
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.
Totally Free, Inc. offers 9 services including Credit improvement and creditworthiness counseling, Foreclosure prevention assistance and housing crisis intervention, Homeownership education programs, Down payment assistance certification and preparation, Financial literacy training, and 4 more.
Totally Free, Inc. has profile signals associated with Georgia residents facing foreclosure or housing instability seeking HUD-approved counseling, First-time homebuyers in Georgia seeking education and down payment assistance certification, Individuals with excessive debt seeking nonprofit financial literacy and credit counseling in Georgia counties.
Key strengths: HUD-approved agency with NeighborWorks America staff certifications meeting federal counseling standards; Award-winning since 2005 (Magnolia Award for Outstanding Homeownership Achievement); Serves broad geographic area (30 Georgia counties) with 20+ years of operational experience. Areas to consider: Geographically limited to Georgia only—not accessible to consumers outside the state; Website lacks detailed information about program eligibility criteria, intake processes, or service timelines.
In the Free Help category, comparable providers include Atlanta Legal Aid Society, Inc., Catholic Charities of the Archdiocese of Atlanta, Cccs of the Savannah Area, Inc. - Statesboro Branch. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Totally Free, Inc. is profile signals for Georgia residents seeking legitimate, HUD-approved nonprofit credit and housing counseling without profit-driven sales pressure. The primary caveat is strict geographic limitation to Georgia's 30-county service area and a website that lacks transparency about specific service eligibility, costs, and accessibility details.
Atlanta Legal Aid Society provides free civil legal services to low-income residents across metro Atlanta, operating five neighborhood offices and serving nearly 21,000 cases annually since 1924.
Profile signals: Low-income residents facing eviction or housing instability in metro Atlanta, Domestic violence victims seeking custody, child support, or protective orders
Catholic Charities Atlanta is a 501(c)(3) nonprofit providing free social services including counseling, housing assistance, financial counseling, and immigration legal aid to low-income families and individuals.
Profile signals: Low-income families and individuals seeking free counseling, financial guidance, or housing assistance, Recently arrived refugees and immigrants needing legal representation for citizenship pathways
Non-profit credit counseling agency in Savannah offering debt management plans, credit counseling, and housing assistance to help families restore financial health.
Profile signals: Individuals with maxed-out credit cards seeking affordable debt consolidation without high fees, Savannah-area residents facing foreclosure or seeking first-time homebuyer guidance
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Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Totally Free, Inc. and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.