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 Massachusetts, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with managing their debt and improving their financial literacy. These agencies are typically nonprofit organizations that offer a range of services, including debt management plans, credit and debt counseling, assistance with bankruptcy filing, guidance on credit reports and scores, and advice on reverse mortgages. CCCS agencies aim to help consumers reduce or eliminate fees, lower interest rates, consolidate payments, and improve their overall financial situation. While many of these services can be free, particularly from nonprofit organizations, it's important for consumers to verify the agency's accreditation and reputation. In Massachusetts, these agencies are regulated under federal law as well as state statutes, which may include registration requirements, compliance with consumer protection laws, and adherence to ethical standards. Consumers should ensure that any CCCS agency they work with is compliant with these regulations to ensure the quality and reliability of the counseling services provided.