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 Hawaii, 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, credit counseling, guidance on bankruptcy, and education on credit reports and scores, as well as reverse mortgages. They aim to help consumers, regardless of income level, by reducing or eliminating late fees and over-limit charges, stopping collection calls, lowering interest rates without considering credit scores, consolidating bills into a single, more manageable monthly payment, accelerating debt payoff, and improving financial literacy in areas like spending, budgeting, and money management. While these agencies often provide their services free of charge, it's important for consumers to ensure that any CCCS agency they work 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 regulations may also apply to ensure the fair and legal operation of these agencies, protecting consumers from potential scams or unethical practices.