Consumer credit counseling services (CCCS) agencies provide financial and debt-relief information in one-on-one counseling sessions, and in online services. Credit counseling agencies help persons of all income levels (1) eliminate late fees and over-limit charges; (2) stop collection calls; (3) lower interest rates (regardless of credit score); (4) consolidate bills into one smaller monthly payment; (5) pay off debt faster; and (6) improve spending, budgeting, and money management skills.

CCCS often include issues such as (1) debt collection management; (2) credit and debt counseling; (3) bankruptcy; (4) credit reports and credit scores; and (5) reverse mortgages.

CCCS agencies are Internal Revenue Service 501(c)(3) nonprofit organizations that will help you find a workable solution to financial problems—usually free of charge.

In Arkansas, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with various financial and debt-related issues. These nonprofit organizations, typically designated as 501(c)(3) by the Internal Revenue Service, offer services such as debt management plans, credit and debt counseling, assistance with bankruptcy, guidance on credit reports and scores, and advice on reverse mortgages. They aim to help consumers reduce or eliminate fees, lower interest rates, consolidate payments, and improve financial literacy. While these agencies often provide free counseling, it's important to note that some services might have fees associated with them. Arkansas consumers can benefit from these services regardless of their income levels. It's also important for consumers to ensure that any CCCS agency they work with is licensed and accredited in Arkansas, as state statutes and federal laws regulate credit counseling services to protect consumers from fraudulent practices.