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 California, Consumer Credit Counseling Services (CCCS) agencies are regulated under both federal and state laws. These agencies are designed to assist individuals in managing their debt and improving their financial literacy. As 501(c)(3) nonprofit organizations, they often provide services at little or no cost. California mandates that these agencies be licensed and regulated by the California Department of Business Oversight (DBO) under the Check Sellers, Bill Payers and Proraters Law. The DBO ensures that CCCS agencies operate within the state's legal framework, which includes providing transparent and fair counseling services, maintaining client funds in trust accounts, and adhering to strict accounting and reporting standards. Additionally, CCCS agencies must comply with the federal Credit Repair Organizations Act (CROA), which protects consumers from deceptive practices and requires clear disclosure about the services offered. Consumers are encouraged to verify the licensing status of a CCCS agency in California before engaging their services to ensure they are dealing with a reputable organization.