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| Credit counseling organizations listed in our directory certify that they are licensed to do business in States that require such license. |
| CCCS Division Family & Children's Services of Chattanooga | 423-490-5620 |
| CCCS of East Tennessee | 800-358-9231 |
| CCCS of Middle Tennessee, Inc. | 888-258-0695 |
| Family Services of the Mid-South CCCS | 800-710-8902 |