Credit Counseling of Arkansas (CCOA) in Fort Smith, AR
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!
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
Bankruptcy Counseling in Fort Smith, AR
As part of the bankruptcy process, you have to complete a counseling session prior to filing. This session will last approximately an hour and 15 minutes. Upon completion, a certificate can be provided. The certificate expires six months after it’s issued.
Credit Report Review in Fort Smith, AR
A credit report review service in which a counselor provides your Experian Credit Report and FICO score and explains the basic parts of a credit report and factors that influence your credit score, how creditor payments are listed in the report, and much more.
Debt Management in Fort Smith, AR
A Debt Management Plan (DMP) consolidates your unsecured debt into one monthly payment. CCOA will work with your creditors to get lowered interest rates, stop fees, and stop collection calls.
Financial Education in Fort Smith, AR
CCOA offers a variety of financial education courses in a in-person classroom setting. Read more about the types of classes we offer, reserve a spot, or request a group class for your company or organization.
Home Buyer Counseling in Fort Smith, AR
Designed for first time home-buyers, but open to anyone who wants to learn more about the home buying process. This 5-hour course walks attendees through the home buying process and ongoing home-ownership responsibilities.
Reverse Mortgage Counseling in Fort Smith, AR
Also known as Reverse Mortgage Counseling. CCOA helps prospective borrowers clarify their financial goals, and make sure a reverse mortgage will help them achieve those goals.
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.