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 North Dakota, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with various financial and debt-related issues. These nonprofit organizations, typically designated as 501(c)(3) by the Internal Revenue Service, offer services such as debt management, credit 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 these agencies often provide free counseling, it's important to note that North Dakota may have specific regulations governing the operation of such agencies to ensure they operate fairly and transparently. Consumers should verify that the agency they are considering is licensed and accredited in North Dakota and be aware of any fees for services that may not be covered by the nonprofit status.