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 New Hampshire (NH), Consumer Credit Counseling Services (CCCS) agencies offer a range of services to assist individuals in managing their debt and improving their financial literacy. These agencies are typically 501(c)(3) nonprofit organizations, which means they are recognized by the Internal Revenue Service as tax-exempt entities organized for charitable purposes. CCCS agencies in NH provide one-on-one counseling, online resources, and tools to help consumers eliminate fees, reduce interest rates, consolidate payments, and improve money management skills. They cover various financial topics, including debt collection management, credit and debt counseling, bankruptcy advice, understanding credit reports and scores, and guidance on reverse mortgages. While many of these services are offered free of charge due to their nonprofit status, it's important for consumers to verify the legitimacy and accreditation of the counseling service they choose, such as through the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA). State statutes and federal laws, including the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule, provide a regulatory framework to protect consumers from deceptive practices and ensure that credit counseling agencies operate in a transparent and ethical manner.