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 Kansas, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with financial and debt-related issues. These agencies are typically nonprofit organizations with 501(c)(3) status, recognized by the Internal Revenue Service, which means they are often able to provide services at no cost. They offer a range of services including helping clients eliminate fees, stop collection calls, lower interest rates, consolidate bills, pay off debt more quickly, and improve financial management skills. CCCS agencies in Kansas may also provide guidance on debt collection management, credit and debt counseling, bankruptcy, understanding credit reports and scores, and reverse mortgages. While these agencies offer valuable services, it is important for consumers to ensure that they are working with reputable organizations. In Kansas, as in other states, these agencies must comply with both state statutes and federal laws that regulate credit counseling services, including adhering to any licensing requirements and consumer protection laws that aim to prevent deceptive practices.