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 Maine, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with various financial and debt-related issues. These agencies, typically designated as 501(c)(3) nonprofit organizations by the Internal Revenue Service, offer services such as debt management plans, credit and debt counseling, guidance on bankruptcy, and education on credit reports and scores, as well as reverse mortgages. They aim to help consumers reduce or eliminate fees, lower interest rates, consolidate payments, and improve financial management skills. While many of these services can be free, it's important for consumers to verify the agency's accreditation and legitimacy, as Maine's Bureau of Consumer Credit Protection oversees such agencies to ensure compliance with state regulations. Consumers should be aware that while CCCS agencies can provide valuable assistance, they should still exercise due diligence and consider consulting with an attorney for legal advice specific to their situation, especially in matters related to bankruptcy or legal disputes with creditors.