Description of Services

Definitions of Consumer Credit Counseling Services

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 Service in Arkansas. (Locations also in Tennessee & Mississippi)
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.

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Eligibility for Consumer Credit Counseling Services

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 for Consumer Credit Counseling Services

  • All budget and debt counseling sessions are free.
  • Debt Management Service in Arkansas, Mississippi, and Tennessee - A basic monthly service fee ranging from $0 to $30 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 $40.00 will be assessed for this service.
  • Pre-filing Bankruptcy Counseling – A fee of $40.00 is charged for a single filer and $60.00 for a married couple filing jointly.
  • Bankruptcy Pre-Discharge Education - A fee of $50.00 is charged for a single filer and $65.00 for a married couple filed jointly. (All materials included.)

A staff person is available to help those who may need assistance in completing the forms. Please call to schedule an appointment at 1–800–255–2227 or 501–753–0202 between the hours of 8:00 a.m. to 6:00 p.m. Monday through Thursday and 8:00 a.m. to 5:00 p.m. on Friday.

Request for Debt Management Service in Arkansas

(Locations also in Tennessee & Mississippi)

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.

Apply Now!

A staff person is available to help those who may need assistance in completing the forms. Please call to schedule an appointment at 1–800–255–2227 or 501–753–0202 between the hours of 8:00 a.m. to 6:00 p.m. Monday through Thursday and 8:00 a.m. to 5:00 p.m. on Friday.

Office Hours for Consumer Credit Counseling Services

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.