CCOA offers a variety of one-on-one financial counseling to help you, it all depends on what you need:
Free budget counseling to help you create a financial plan, free debt elimination counseling to help you understand the different options you can use to become debt free, credit report reviews to help you understand how credit reporting works and what you need to do to improve your report and score, the required pre-filing bankruptcy counseling session, and the required pre-discharge education classes.
CCOA also offers Housing counseling for pre-purchase or mortgage delinquency if you are having trouble making your mortgage payments.
All counseling services are offered in English and Spanish. A Marshallese interpreter can be made available.
CCOA is authorized to conduct credit counseling in Alaska, Arkansas, District of Columbia, Florida, Georgia, Hawaii, Louisiana, Massachusetts, Minnesota, Missouri, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, South Dakota, Tennessee, West Virginia and Wyoming.
For those in Kansas, CCOA is certified by the U.S. Department of Housing and Urban Development (HUD) to provide housing counseling. All other credit counseling services provided in partnership with Consumer Credit Counseling Service, Inc. headquartered in Salina, Kansas and certified by the National Foundation for Credit Counseling and the Kansas Office of the State Bank Commissioner.
Housing counseling is offered to clients in all United States.