Credit Counseling of Arkansas (CCOA) in Fort Smith, AR

816 Garrison Ave
Fort Smith, AR 72901

Since 1995, Credit Counseling of Arkansas (CCOA), Inc. has helped thousands of families with personal finances issues by making a positive difference through helping people 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 late fees, and stop collection calls. Less debt, more life!

Free Counseling Sessions

Schedule a free counseling session with a certified counselor. Appointments are available in-person, over the phone, or by email. 

Sesiones de asesoramiento gratuito

Todos los servicios de asesoramiento se ofrecen en español. Las citas están disponibles en persona, por telefono o por correo electrónico.


Sunday: Closed
Monday: 8:00 AM – 5:00 PM
Tuesday: 8:00 AM – 5:00 PM
Wednesday: 8:00 AM – 5:00 PM
Thursday: 8:00 AM – 5:00 PM
Friday: 8:00 AM – 12:00 PM
Saturday: Closed


In-Person Appointments Available For All Locations
CCOA is committed to helping you stay financially stable during the COVID-19 pandemic. We have implemented the following measures for our in-person appointments:

  • Health screenings for staff to provide our clients with options to reschedule or conduct a phone or online appointment if needed;
  • Social distancing is observed through plexiglass screens;
  • Masks are optional during appointments (provided by CCOA if needed);
  • Regular, thorough cleaning.