Georgia Credit Counseling & Debt Relief (2026 Directory)

Find accredited Georgia credit counselors, non-profit agencies, and local programs (2026 directory) to help you create a payoff plan.

If you’re stressed about debt, you’re not alone. More people in Georgia are getting help with credit card bills. This guide shows you how to get that help fast. It’s all simple steps you can take today.

Want to see how fast you can pay off your credit card debt? Try our Georgia Credit Card Payoff Calculator to make a plan that works for you.

Why This Matters Now

Georgia saw big credit card debt jumps in 2024-2025. More people are using credit help. You can too.

Your debt stress is real. Sleepless nights over bills hurt your health. Good news: help is close by. You can get back on track.

Types of Help You Can Get

Free Credit Counseling

This is your best first step. A counselor will:

Look at your money situation
Make a plan to pay less interest
Help you make one payment a month
Teach you money skills

Many first sessions are free. You pay little or nothing for help.

Housing Help

If your home is at risk, get help fast. HUD-approved counselors can:

Stop foreclosure
Work with your lender
Help with budgeting
Save your home

Local Aid Groups

These groups help with:

Emergency bills
Food and utility help
Money coaching
Special aid for veterans

They know your area. They can get you help fast.

Legal Help

If you’re in court or sued, get free legal help. It covers:

Debt cases
Wage issues
Bankruptcy help
Rights against collectors

How to Pick Good Help

Don’t get tricked by bad firms. Use this quick checklist:

✅ Nonprofit groups only – They work for you, not for profit.

✅ No big upfront fees – Good help starts free or cheap.

✅ Clear written plan – You get a paper plan before you start.

✅ Local office near you – Find groups with real Georgia offices.

✅ No pressure to sign – Good counselors give options, not sales pitches.

What Happens at Your First Session

Your first talk takes 30-45 minutes. Here’s what to expect:

You share your money situation.
They check your budget.
They show your best options.
You get a clear next step.

Bring these to your first talk:

Recent bank statements
Your pay stubs
A list of your debts
Any collection letters

Your 8-Step Plan to Start Today

Follow these steps in the next week:

Gather your papers – Get bank and debt statements.
Stop new debt – Don’t open new cards or loans.
Call a free counselor – Start with a nonprofit group.
Make a bare budget – Cut all non-essentials.
Ask for help – Call lenders about hardship plans.
Write down talks – Note names, dates, and what was said.
Skip debt-settlement firms – They often charge too much.
Get legal help if sued – Call legal aid right away.

What to Watch For

Stay safe. Avoid groups that:

❌ Want big cash up front
❌ Promise to erase all debt fast
❌ Say you can’t talk to lenders
❌ Have no real office address
❌ Get bad reviews from others

Your Next Move

Debt help is close by. Start today with a free session. You’ll feel better fast.

A good counselor gives you a clear plan. They help you talk to lenders. You get back control of your money.

Try our free tool to see your payoff timeline. Use the Georgia Credit Card Payoff Calculator to make your plan now. It shows how fast you can be debt-free with small extra payments. You’ll save hundreds in interest.

You can do this. Take the first step today. Your money stress can end.