* Plan your estate. Visit a lawyer or estate planning specialist to assist you

in devising a will and a distribution plan for your assets. These professional can help

you understand the tax consequences for your heirs and beneficiaries. If you plan to

leave money to a charity, consider donating while you're still alive in particular,

giving appreciated stock can be a good write-off and help you avoid capital gains tax.

Furthermore, you have the pleasure of seeing your money put to good use.

CCCS can assist in establishing a workable budget and, if necessary, setting up

a debt repayment plan.

Consumer Credit Counseling Service was established in 1964 as a nonprofit,

community service organization that provides free budget counseling, regardless of income

or amount of debt owed, and debt repayment plans for consumers who are overextended.

Headquartered in Atlanta, CCCS has offices in Athens, Carrollton,

Decatur, Douglasville, Fayetteville, Gainesville, Marietta, Norcross, Rome, Toccoa,

and throughout the metropolitan Atlanta area. Telephone counseling is also available.

To schedule an appointment for counseling, call 404-527-7630 in Atlanta. Outside

Atlanta, call 1-800-251-2227. Consumers can also visit the organization's web site at

<https://www.cccsatl.org>. The agency's TTY

number for the hearing impaired is 770-716-9666.

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