Credit counseling is a free service that helps people find solutions to their financial challenges. The process can be completed with a certified credit counselor over the phone or online.

We can help you find and maintain the right home for you throughout all phases of the homeownership journey: Pre-Purchase Counseling Post-Purchase Counseling Online Homebuyer Education Rental Counseling Foreclosure Prevention/Default Counseling

Families suffering under the burden of debt can speak with a real attorney at no charge, to determine if bankruptcy would allow them a fresh start. Also, those falling behind on mortgage payments may discuss how a chapter 13 bankruptcy can stop foreclosure and save the family home. Calls and advice are free. If caller should hire or work with an attorney to file for bankruptcy, filing fees are set by the state of Arkansas.

Provides free credit counseling sessions, free personal finance seminars, a debt elimination program to help stop late and over-limit fees and reduce interest rates and monthly payments. Also provides a credit report review so consumers can have a copy of their credit report and score pulled and explained to them by a certified financial professional.

Provides free credit counseling sessions, free personal finance seminars, a debt elimination program to help stop late and over-limit fees and reduce interest rates and monthly payments. Also provides a credit report review so consumers can have a copy of their credit report and score pulled and explained to them by a certified financial professional.

Prospective clients may submit an online application to see if they qualify for assistance at the agency's website. Upon qualification, program auto-populates the necessary forms and reviews them with the help of pro bono attorneys. Program staff will then help prepare client for the in-court appearance that completes the process of filing. This service is free.

Program provides a variety of methods to help consumers avoid foreclosure and eviction. Services may include the following: Mortgage Renewal Program helps reduce or eliminate past due amounts and bring the mortgage current. Refinance Program has established relationships with very reputable lenders who can give loans on mortgages that are in foreclosure if there is enough equity in available in the property. Sell Your Home One may sell one's home before the Foreclosure Sale Date. Sometimes the home owner is unable to sell the outright at the desired sale price and this is not an option. Short Sale Program may be able to negotiate a Short Sale on consumer's behalf with lender(s). In this instance the lender may take less than what is owed on the loan to avoid a lengthy and costly foreclosure process. Deed-in-lieu of Foreclosure Program can arrange for consumer to simply give the home back to the lender and walk away with a clean slate. Pre-foreclosure Program can help consumers stop the foreclosure before the date of sale and negotiate with current lender(s) to reinstate the mortgage and stop legal actions against consumer. Post-foreclosure Program can keep consumer in the home after the house has been sold by using loss mitigations and foreclosure laws to protect the consumer. Debt Reduction/ Debt Elimination Program also finds ways to eliminate debt by reviewing the files for missing documents and getting the problem corrected.Please call to inquire about fee structure.

Provides free credit counseling sessions, free personal finance seminars, a debt elimination program to help stop late and over-limit fees and reduce interest rates and monthly payments. Also provides a credit report review so consumers can have a copy of their credit report and score pulled and explained to them by a certified financial professional.