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 Missouri, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with various financial and debt-related issues. These agencies, often 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 late fees, lower interest rates regardless of credit score, consolidate bills into a single monthly payment, and improve overall financial literacy. While many CCCS agencies offer free services, it's important for consumers to verify the agency's accreditation and legitimacy, as state regulations require these agencies to be licensed and adhere to certain standards. In Missouri, the Division of Finance under the Department of Commerce and Insurance oversees the regulation of debt-adjusting companies, which includes credit counseling agencies, to ensure they comply with applicable state statutes such as the Missouri Debt Adjuster Act. Consumers are encouraged to research and select a reputable CCCS agency to ensure they receive quality advice and assistance.