Struggling with Rent or Bills? You Can Get Back on Track
“My God will supply all your needs…”
“The borrower is slave to the lender…”
Whether it's overdue bills, rent debt, credit card payments, or loan stress — help is out there. These local and national organizations can help you get your finances under control.
If you’re behind on rent or facing disconnection notices, these local programs can help. Many offer one-time assistance, payment plans, or referrals for long-term housing solutions.
Community Action for Improvement (CAFI)
Location: 815 Bankhead Hwy, Suite E, Carrollton, GA
Phone: (770) 838‑0511
Offers utility and rent assistance, financial counseling, and debt relief guidance for low-income families.
ClearPoint Credit Counseling
Phone: 1‑877‑877‑1995
Website: clearpoint.org
Nonprofit credit counseling and debt management programs. Free budgeting help. Certified by the National Foundation for Credit Counseling (NFCC).
Consumer Credit Counseling Services of West Georgia
Phone: (770) 836‑0790
Budget planning, foreclosure prevention, and debt counseling in the West Georgia region. Call for appointment availability.
Georgia Legal Services (Debt Lawsuits & Collections)
Phone: 1‑833‑457‑7529
Offers legal help if you are being sued over a debt or harassed by collectors. May also help with garnishment or repossession cases.
United Way 211
Phone: Dial 2-1-1
Website: 211.org
Find local help for utilities, housing, transportation, and other financial emergencies in your ZIP code.
Carrollton Housing Authority
Phone: (770) 834‑2046
Services: Section 8 housing, HUD-VASH vouchers for veterans, long-term low-income housing support.
LIHEAP – Low Income Home Energy Assistance Program
Assists with past-due heating/cooling bills. Apply through CAFI or the Georgia Department of Human Services.
Website: dfcs.georgia.gov
DebtStoppers Bankruptcy Law Firm
Phone: (678) 673-2142
Location: 7400 The Blvd, Ste 100, Jonesboro, GA (serves Metro ATL & West GA)
Offers help with bankruptcy (Chapter 7 & 13), debt settlement, garnishment defense, and foreclosure protection. Free consultations available.
Website: debtstoppers.com
🏠 Housing Rights Cheat Sheet for Tenants
- Safe Housing: Your landlord must fix major issues like broken plumbing or heating.
- Privacy: You must be given notice before entry (usually 24 hours).
- Eviction Notice: You can't be legally evicted without written notice and a court order.
- Security Deposit: Must be returned within 30 days (minus damages).
- No Lockouts: Landlords can’t lock you out or shut off utilities.
- Right to Complain: You can’t be evicted for reporting problems or requesting repairs.
Need legal help?
Call Georgia Legal Services: 1‑833‑457‑7529
Or dial 2‑1‑1 for local housing aid.