I work for CredAbility which is a full-service, nonprofit, financial counseling agency based in Atlanta, Georgia. We help financially-distressed people move from crisis to control by providing compassionate service and innovative and practical solutions. We see ourselves as a financial emergency room, creating hope and inspiring lasting change. Counseling is provided 24 hours a day in all 50 states over the telephone and internet in both English and Spanish. We also offer in-person counseling at 30 offices in Georgia, Florida, Mississippi and Tennessee.