Statewide in Arkansas:
Consumer Credit Counseling Services (CCCS)
Family Service Agency
Offices in Little Rock, North Little Rock, Fort Smith, Hot Springs, Harrison, Pine Bluff, Russellville, Searcy, and Springdale
Certified counselors offer a free initial session to help you prepare a proposed budget. If your living expenses AND creditor payments add up to more than you earn, CCCS counselors at the Family Service Agency can usually work out an agreement with your unsecured creditors for reduced monthly payments extended over a longer period of time. Interest is often reduced or frozen while repayment is being made. Each month you give FSA the amount that your creditors have agreed to accept and they do the bookkeeping and forward the payments.