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 Mississippi, Consumer Credit Counseling Services (CCCS) are available to assist individuals with managing their debt and improving their financial literacy. These nonprofit organizations, typically designated as 501(c)(3) by the Internal Revenue Service, offer a range of services including debt management plans, credit and debt counseling, assistance with bankruptcy, guidance on credit reports and scores, and advice on reverse mortgages. The agencies aim to help consumers reduce or eliminate fees, lower interest rates, consolidate payments, and improve budgeting skills. While these services are often free, it's important for consumers to ensure that the agency they choose is reputable and accredited by an organization like the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA). Mississippi residents can benefit from these services regardless of their income levels, and the state's regulations ensure that these agencies operate with the consumer's best interest in mind.