Family Service Agency, Consumer Credit Counseling Service

Service Definitions

Budget Counseling
A counselor assists in developing a plan to meet goals and needs for individuals and families, suggesting methods to improve money-spending habits.

Debt Management
When monthly living expenses and installment payments are higher than the income, a counselor will work to arrange a new repayment plan with the creditors. This allows monthly payments to be lowered due to an extension in the time allowed to repay the debts. This program is voluntary. A client must have enough money after basic expenses to make a workable plan. To apply online for our Consumer Credit Counseling Service, simply click on the APPLY ONLINE button below and fill out the on-line form.

Housing Counseling
This program is designed to provide a wide range of counseling for those needing advice for first-time home buying to those who are experiencing financial difficulty. The program gives mortgagors an opportunity to avoid impending evictions and/or foreclosures.

Consumer Education
Workshops are offered to groups of all ages on a wide variety of subjects, such as consumer rights, values and attitudes on money issues, budgeting, debt, credit fundamentals, and home buying.

Credit Report Review
The Credit Report Review is designed to personally and confidentially analyze your credit report. The Credit Report Review offers a personal counseling session with the consumer to review the credit report's content and meaning.

Pre-filing Bankruptcy Counseling
This service is designed to provide you with a budget analysis that will examine your financial situation, discuss the factors that may be the cause of your problems, and explore your options for developing a reasonable plan for dealing with them. The purpose of this session is to provide you with information so that you may choose the option that you think is best. You will be provided with a certificate that you will need should you decide to file for bankruptcy.

Click here for the Pre-Filing Bankruptcy disclosure form.

Bankruptcy Pre-Discharge Education
This financial management course is designed to provide you with the knowledge to manage your finances and give you the tools to help build a brighter financial future.

Click here to download the Bankruptcy Pre-Discharge Education disclosure form.

Eligibility

CCCS provides professional counseling and money management assistance to all persons who are experiencing financial difficulty regardless of age, race, creed, color, sex, social position, or financial status.

Fees

All budget and debt counseling sessions are free.
Debt Management Program - A basic monthly service fee ranging from $15 to $25 will be assessed for persons on the Debt Management Plan.

Most of our funding comes from voluntary contributions from creditors who participate in Debt Management Plans (DMP). Since creditors have a financial interest in getting paid, most are willing to make a contribution to help fund our Agency. These contributions are usually calculated as a percentage of payments you make through your DMP--up to 15% of each payment received. However, your accounts with your creditors will always be credited with one hundred percent (100%) of the amount you pay through us, and we will work with all your creditors regardless of whether they contribute to our Agency. If you see any discrepancy between the member agency payment and the amount posted on your statement, please bring it to our attention immediately and the matter will be promptly addressed.

Our DMPs service the dual role of helping you repay your debts and helping creditors collect the money owed to them.
Credit Report Review - A fee of $20.00 will be assessed for this service.
Pre-filing Bankruptcy Counseling - A fee of $50.00 will be charged per counseling session.
Bankruptcy Pre-Discharge Education - A fee of $30.00 per participant is charged. (All materials included.)
Request for Pre-filing Bankruptcy Counseling or class registration for Bankruptcy Pre-Discharge Education call 1-800-255-2227 from 8:00 a.m. to 5:00 p.m., Monday through Friday.
No one is denied service because of the inability to pay.

Request for Debt Management Service

Persons requesting our Debt Management Service must complete and return several application forms. To apply online for our Consumer Credit Counseling Service, simply click on the APPLY ONLINE button below and fill out the on-line form.

A staff person is available to help those who may need assistance in completing the forms. An appointment can be scheduled. Upon the receipt of this information, a CCCS counselor completes a proposed budget. The budget includes a proposed debt management plan to creditors. If an appointment has not been scheduled, the budget is mailed to the client who is requested to contact our office to set a time to meet with or talk over the phone to a CCCS counselor.

Office Hours

Office hours are from 8:00 a.m. to 5:00 p.m., Monday through Friday. Appointments during the lunch hour and after 5:00 p.m. can be arranged. You can access this service by calling 1-800-225-2227 or 501-753-0202.

FSA, Inc. shall comply with...

Family Service Agency, Inc. shall comply with Titles IV and VI of the Civil Rights Act of 1974, and with Section 504 of the Rehabilitation Act of 1973, in that no person shall, on the grounds of sex, race, color, national origin, or handicap, be excluded from participation in, be denied benefits of, or otherwise be subject to discrimination in any of the Agency's services or activities.

Any applicant for or recipient of services from Family Service Agency may submit a complaint when dissatisfied with Agency services or actions pertaining to service received. A copy of the Client Grievance Policy and Complaint Procedure is available upon request.

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Consumer Credit Counseling Service
North Little Rock Administrative Office
628 West Broadway, Suite 203 • North Little Rock, AR 72114
Mailing Address: P.O. Box 16615 • Little Rock, AR 72231-6615
Tel: 501-753-0202 • Fax: 501-812-4309 • ARKANSAS: 1-800-255-2227