Helping people financially navigate through life for a brighter financial future.

Since 1995, non-profit Credit Counseling of Arkansas (CCOA), Inc. has helped thousands of families nationwide master their personal finances through free budget, credit & housing counseling, free seminars, credit report reviews and a Debt Management Program that can reduce interest rates, stop fees, and stop collection calls. For a brighter financial future, contact CCOA today!

  • Get help with credit card, medical & housing debt
  • Know your options with help from caring financial professionals 
  • Free, no obligation financial consultations
  • Build money skills with our free education resources

Call 1-800-889-4916

Or schedule a call now

Please complete the required fields to continue.

Helping people financially navigate through life for a brighter financial future.

Since 1995, non-profit Credit Counseling of Arkansas (CCOA), Inc. has helped thousands of families nationwide master their personal finances through free budget, credit & housing counseling, free seminars, credit report reviews and a Debt Management Program that can reduce interest rates, stop fees, and stop collection calls. For a brighter financial future, contact CCOA today!

  • Get help with credit card, medical & housing debt
  • Know your options with help from caring financial professionals 
  • Free, no obligation financial consultations
  • Build money skills with our free education resources

Call 1-800-889-4916

Or schedule a call now

Please complete the required fields to continue.
A collage of happy CCOA customers.

How can we help you?

Reduce Debt
Build a financial solution that fits your needs with help from a caring financial professional.
Improve Credit
Get advice from our certified counselors on ways to improve your credit.
Build Skills
Access free financial education resources to help guide your financial planning.
Reach Housing Goals
Our HUD-certified housing counseling agency can counsel you on first-time home buying, mortgage delinquency and reverse mortgages.

What our clients have to say.

“Thanks to all of you my credit score is looking very healthy.”
Client 1
Fantuno, PR officer
“CCOA has really been a life saver for us. I don’t worry anymore like I used to.”
Client 2
Lemimum, Marketing
“If I hadn’t gone with your program, I would have had a complete breakdown.”
Client 3
Nord, Marketing
“Our son has had an illness since he was 11 years old and it ruined us financially. Your organization saved our lives.”
Client 4
Everline, Product Manager
See More Testimonials

CCOA Client Given National Award

One of our clients was named the recipient of the National Foundation for Credit Counseling (NFCC) Brighter Financial Future award recently in Washington, D.C.! Our Executive Director, Mary Catherine Harcourt, was there to introduce and congratulate Jennifer Bryant on the honor.

From Our Blog

navigating-debt

Navigating Your Debt: Consolidation, Restructuring, and Management with CCOA in Northwest Arkansas

July 10, 2025
in
Financial Tips

Facing a lot of debt can feel incredibly overwhelming, but residents of Bentonville, Fort Smith, …

Client Results

Clients who report better control of finances 93%
Clients using info from classes in financial practices 94%
Say they are closer to becoming debt free 97%

We want to be your financial friend on the journey ahead.

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