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 Louisiana, Consumer Credit Counseling Services (CCCS) are regulated under both federal and state laws. These agencies are typically nonprofit organizations that offer assistance to individuals seeking help with debt management, credit counseling, bankruptcy education, understanding credit reports and scores, and managing reverse mortgages. As 501(c)(3) organizations, they often provide services at little or no cost. Louisiana's specific regulations for CCCS agencies may include registration requirements, adherence to consumer protection laws, and guidelines to ensure that counselors are properly trained and provide services in an ethical manner. Consumers should verify that the agency is licensed and approved by the Louisiana Office of Financial Institutions (OFI), which oversees credit-related services in the state. Additionally, CCCS agencies must comply with the federal Credit Repair Organizations Act (CROA), which protects consumers from deceptive practices and requires clear disclosure of services and fees.