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 Arizona, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with financial and debt-related issues. These agencies are typically 501(c)(3) nonprofit organizations, which means they are approved by the Internal Revenue Service as tax-exempt entities that operate for the public benefit. CCCS agencies offer a range of services including debt management plans, credit and debt counseling, assistance with bankruptcy filing, guidance on credit reports and scores, and advice on reverse mortgages. They aim to help consumers eliminate fees, reduce interest rates, consolidate payments, and improve financial literacy, regardless of their income levels. While many of these services are offered free of charge, it's important for consumers to ensure that the agency they choose is accredited and recognized by the state. In Arizona, these agencies are regulated under state statutes that govern debt management and credit counseling services to ensure they operate fairly and transparently. Consumers should also be aware that while CCCS can provide valuable assistance, they should carefully consider the terms of any debt management plan and understand that participation in such plans may have implications for their credit score.