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 Montana, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with various financial and debt-related issues. These nonprofit organizations, typically holding a 501(c)(3) status with the IRS, 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 literacy. While these agencies often provide free counseling, it's important to note that not all services may be free of charge, and consumers should verify the costs involved. Additionally, these agencies must comply with both federal and state regulations, including the Montana Consumer Protection Act, which protects consumers from deceptive and unfair business practices. It's advisable for consumers to ensure that any CCCS agency they consider is accredited and compliant with applicable laws to ensure the quality and legality of the services provided.