Credit Counseling of Arkansas (CCOA) - Fort Smith, Arkansas

Credit Counseling of Arkansas (CCOA): A Comprehensive Overview

For individuals navigating the complexities of debt and seeking financial stability, Credit Counseling of Arkansas (CCOA) stands as a dedicated resource. Located at 3200 Rogers Ave, Fort Smith, AR 72901, United States, CCOA offers a comprehensive suite of services designed to empower clients in taking control of their financial futures. With a Phone: 8008894916 and a user-friendly website at Website: ccoacares.com, accessing their support is remarkably convenient. CCOA operates as a Non-profit organization, demonstrating a commitment to serving the community with integrity and compassion. Their core specialties include detailed Credit counseling service and expert Bankruptcy service assistance, making them a one-stop solution for many financial challenges.

Services Offered

CCOA’s services are tailored to address a wide spectrum of financial difficulties. The Credit counseling service provides personalized guidance on budgeting, debt management, and credit repair strategies. Clients receive individualized assessments to identify the root causes of their financial struggles and develop a sustainable plan for improvement. This proactive approach aims to help individuals avoid further debt accumulation and build a positive credit history. The Bankruptcy service offers a pathway for those facing overwhelming debt burdens and limited options. CCOA’s experienced advisors meticulously guide clients through the bankruptcy process, ensuring they understand their rights and responsibilities. They strive to minimize the potential negative impacts of bankruptcy on a client’s future financial prospects.

Accessibility and Amenities

CCOA is committed to providing accessible services to all clients. The facility at 3200 Rogers Ave features a Wheelchair-accessible car park and a Wheelchair-accessible entrance, ensuring ease of access for individuals with mobility limitations. Furthermore, a Wheelchair-accessible toilet is available on-site. Clients are encouraged to Appointments recommended to guarantee personalized attention and efficient service delivery. Beyond physical accessibility, CCOA’s team is dedicated to creating a comfortable and supportive environment for all clients.

Client Feedback and Reputation

The company boasts a strong reputation within the Fort Smith community, evidenced by 10 reviews on Google My Business with an impressive Average opinion: 4.9/5. These reviews consistently highlight the transformative impact of CCOA’s services. Many clients express profound gratitude for the organization's ability to help them overcome seemingly insurmountable debt challenges. One client, for example, described feeling “empowered” after working with CCOA to pay off their installment agreement in just two years, a significant improvement over the initially projected four years. The sentiment repeatedly expressed is that CCOA has fundamentally changed lives, offering a sense of hope and control to those struggling with financial stress. It’s clear that the team’s dedication and expertise foster a trusting and supportive relationship with their clients.

Key Features and Benefits

• Personalized Financial Counseling: Clients receive tailored strategies based on their unique circumstances.
• Debt Management Plans: Structured plans designed to reduce debt and improve cash flow.
• Credit Repair Guidance: Strategies to improve credit scores and establish a positive credit history.
• Bankruptcy Expertise: Navigating the complexities of bankruptcy with professional support.
• Non-Profit Support: Access to services with a commitment to community benefit.

CCOA’s commitment extends beyond simply providing advice; they offer a pathway towards sustainable financial well-being. The positive testimonials underscore the profound impact they have on individuals’ lives, shifting the narrative from despair to empowerment.

👍 Reviews of Credit Counseling of Arkansas (CCOA)

Brianne I.

5/5

Thank you all so much! Thanks to CCOA, I was able to pay off my installment agreement with them in 2 years instead of 4 due to the interest I was saving. Nothing feels more empowering than climbing on top of decades worth of debt. If I could go back and do it all again, my only regret is not doing it sooner. To everyone at CCOA, you've changed my life and I hope that more people needing your support can find and use this resource. My family will forever be thankful.

Lacey M.

5/5

They were kind and helpful and never judged me. They earnestly did all they could to help. Payments were made on time 100% of the time. I was left with a mountain of CC debt in a divorce and it’s all paid now. I couldn’t have done it on my own in three years like I just did with CCOA’s help!

Shannon D.

5/5

Amazing! I would suggest to anyone that has debt, but doesn't want to file bankruptcy, this is the way to go! I have 5 months left and I will be totally debt free and my score is in the 700s now! Couldn't have done it without these guys!!

Larry E. N.

5/5

Great professional organization! Recognized as one of the BEST non- profits in Arkansas. Also, they do counseling in other states and assist Veteran groups and as well as individual Veteran counseling. These guys- (CCOA) are caring professionals. They have helped hundreds of people get out of the burden of debt and turn their lives around. CCOA is a member of the BBB and NFCC. Their fees are very NOMINAL for the debt reduction services & credit counseling they provide to their clients.

Blu B.

5/5

The counselors of CCOA take the time to help their customers with a realistic plan of action for resolving debt. They help with student loan debt, identity theft related debt, and referrals. Fort Smith and Fayetteville both have office locations. Please use this service. They are honest, caring and professional unlike debt consolidation places that take people's money.

Jerry K.

5/5

Best financial decision I ever made. My credit rating has gone from terrible to on the verge of excellent. I could not have done it on my own. Highly recommend to anyone whose debt has gotten out of control.

Ashley B.

5/5

$700+ a month in credit card minimum payments to $260 a month.....
500 credit score to 700 + credit score....
THANK YOU CCOA for saving us from the brink of financial ruin.

Shaw N. T.

5/5

CCOA is such an amazing organization! They truly will help anyone!