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 Georgia, Consumer Credit Counseling Services (CCCS) are available to assist individuals with financial and debt management. These nonprofit organizations, typically designated as 501(c)(3) by the IRS, offer a range of services to help consumers of all income levels manage their debt. They provide one-on-one counseling sessions and online resources to help eliminate late fees, reduce interest rates, consolidate bills, and improve financial literacy. CCCS agencies in Georgia can also assist with debt collection management, credit and debt counseling, guidance on bankruptcy, understanding credit reports and scores, and information on reverse mortgages. While many of these services are offered free of charge, it's important for consumers to ensure that the agency they are working with is reputable and accredited by recognized organizations such as the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA). State statutes and federal laws regulate these agencies to ensure they provide fair and legal financial advice to consumers.