Authorization/Agreement for Services
Since 1964, Consumer Credit Counseling Service of Greater Atlanta (CCCS) has served as a critical community safety net
for individuals and families experiencing financial difficulties. To ensure you have the information you need to make an
informed choice about your options, this Authorization for Services (AFS) outlines important information you need to know
about our organization and our services.
• We are a non-profit agency, organized and operating in accordance with Section 501(c)(3) of the Internal Revenue
• We are a member of the National Foundation for Credit Counseling (NFCC) and comply with the NFCC's high
standards for quality credit counseling and financial education.
• We are accredited by the Council on Accreditation, an independent third-party organization that reviews and
monitors entities that provide social services.
The counselor conducting or supervising your counseling session has been trained and certified in accordance with
• We need you to provide complete and accurate information to conduct your counseling session. By using our
services, you authorize us to contact specific creditors, including mortgage companies, to secure portions of this
information. In addition, you authorize CCCS to obtain credit reports in your name from credit reporting agencies as
we deem appropriate. This extends to all types of counseling sessions, Debt Management Plans (DMP), and work
done after the completion of services to verify information or evaluate your results. When we obtain your credit
report, an inquiry may appear on your report as a result, but you agree that CCCS has no responsibility for the
credit rating you receive.
You agree to hold CCCS harmless from any claim, suit, action or demand by any creditor or person arising out of,
or connected with, its advice or counseling, or the establishment and the administration of a DMP, except in the
case of willful misconduct or gross negligence by CCCS. Nothing her