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Free credit counseling and debt help in Georgia.

Find how to get free debt help, mortgage assistance, credit repair services or financial advice in Georgia. Struggling families can call a free non-profit or charitable credit counseling agency listed below. Several different non-profit organizations listed below operate around the state, and they provide a wide variety of services. Whether it involves paying off credit card bills, building or repairing credit, refinancing car loans, or something else, assistance is offered.

The information is available to all Georgia homeowners, renters and individuals that are struggling with their debts or loans. Some low income clients may even receive free advice. Meet with a counselor, and learn about and sign up for one or more of the following services listed below.

If you are behind on bills or debts, whether credit card, medical, or even payday loans, learn about solutions that are available. The credit counselor can negotiate payment plans, sign up the client for debt consolidation, reduce fees, and provide other support. They also offer help with paying title loans.

Georgia homeowners who have problems paying their mortgage or who may be facing a foreclosure can get free or low cost budgeting assistance or help mediating. Other assistance that can be arranged includes they may be able to agree to formal repayment plans with their bank or lender.

If your financial situation is just too far behind, then the credit counselor will help you decide if filing for bankruptcy is your best option. However this should always be a last resort. Or get help with paying a car loan or building or starting credit, which is critical in today’s day and age. Learn more on repairing credit.

The phone numbers, addresses, and further information on non-profit credit counseling agencies in Georgia are below. Many of the non-profit are also regional in that they support nearby town, cities, as well as counties in Georgia.

Consumer Credit Counseling Service of Southwest Georgia
409 N. Jackson Street
Albany, Georgia 31701
Several counties are supported by this organization. Families that are struggling can receive free advice on reducing their debts, if they meet income requirements. Counselors also offer information on other assistance programs in Georgia, ranging from credit repair to give free advice on how the bankruptcy courts work.




Consumer Credit Counseling Service of Middle Georgia, Inc.
There are multiple offices below. Assistance programs include help with dealing with unsecured loans, credit card debts, and if you are delinquent with your mortgage, this is also a great place to apply to for help. There is also help in getting out of predatory loans, such as payday or car title loans.

Address - 901 Washington Avenue
Macon, Georgia 1201
Phone - 478-745-6197

Center address - 748 N. Houston Road Suite G
Warner Robins, GA 31093
Dial - 478-922-1141

Another local office for Consumer Credit Counseling Service of Middle Georgia, Inc. is
Address - 1341 Druid Park Avenue
Augusta, Georgia 30904
Call 706-736-2090 to speak to a representative.

Consumer Credit Counseling Service of the Savannah Area, Inc.
Several offices are in Chatham County and around Savannah, and they are listed below. Call them for counseling and other support.

  • 501 Gloucester Street
    Brunswick, Georgia 31520
  • Location - 220 Fraiser Drive
    Hinesville, GA 31313
  • 7505 Waters Avenue Suite C-11
    Savannah, Georgia 31406
  • 515 Denmark Street
    Statesboro, GA 30458
    Telephone number - 912-489-2227





Money Management International, Inc.
Non-profit location is 55 Ivan Allen Jr Blvd
Atlanta, GA 30308
The agency helps Spanish speakers in Georgia too. Programs include foreclosure mediation, free budgeting workshops, help with credit card bills/debts, car loan assistance, and more. Advice addresses short term ,emergency financial needs as well as long term support.

CredAbility, Consumer Credit Counseling Service of Greater Atlanta, Inc. (phone - 800-251-2227)
This may be the leading non-profit credit counseling organization in the Atlanta Georgia area as well as Fulton County. A number of services and resources are provided, some of which are free or have a minimal fee required. Access HUD foreclosure counseling, debt consolidation and management plans, short term loans, and general budgeting and advice. They also help with investing as well as general financial literacy. Read more on debt consolidation loans.

Address - 270 Peachtree Street NW, Suite 1800
Atlanta, Georgia 30303

Address - 3100 North Interstate Circle
Atlanta, Georgia 30339

Office is located at 100 Edgewood Avenue
Atlanta, Georgia 30303
A wide range of services are provided, all dealing with offer help with debts, consumer counseling, and much more. Staff can help with consolidation and other approaches, including negotiation of late fees.

160 Clairemont Avenue Suite 120
Decatur, Georgia 30030

Location is 3400 Chapel Hill Road Suite 104
Douglasville, Georgia 30135

2160 Satellite Boulevard Suite 400 or try the office at 3473 Satellite Boulevard Suite 202N
Duluth, Georgia 30096

Address of local office - 500 Jessie Jewel Parkway Suite 200
Gainesville, Georgia 0501

519 Broad Street
Rome, GA 30161

245 Village Center Parkway
Stockbridge, Georgia 30281

Consumer Credit Counseling Service of West Georgia/East Alabama
This organization has two offices in the region, as indicated below. Call or stop by to learn about their free or low cost services, including mediation and debt management plans. In addition, click here fore more details on debt DMPs.

  • 1350 15th Avenue
    Columbus, Georgia 31902
  • Stop by 309 Mooty Bridge Road Suite C for information on debt and credit counseling, or dial the number below.
    LaGrange, GA 30240
    Dial 706-845-7204

The Family Center of Columbus, Inc.
Location is 1350 15th Avenue
Columbus, GA  31901
Families or single in debt can get help. Or learn about saving money, opening bank accounts, or improving FICO score. The non-profit credit counseling agency offers many programs.





JCVision and Associates, Inc.
Main office - 135-G East Martin Luther King, Jr. Drive
Hinesville, Georgia 31313

No Limits Community Development Corporation
Address - 3203 Benjamin E. Mays Drive
Atlanta, GA 30311
Telephone number - 404-952-8422
Most of the support is in the form of referrals. However, staff can also assist with foreclosure counseling and help consumers mediate a solution or enter into some form of hardship program with a credit card company.

Partnership for Families, Children and Adults, Inc.
208 N. Wall Street
Calhoun, Georgia 30701

Location - 2918 E. Walnut Avenue
Dalton, Georgia 30722
This center can be called at 423-490-5620


By Jon McNamara


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