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 Ohio, Consumer Credit Counseling Services (CCCS) are regulated under both federal and state laws. As nonprofit organizations with 501(c)(3) status, they are recognized by the Internal Revenue Service as tax-exempt entities providing public financial education and counseling services. Ohio's laws ensure that these agencies operate transparently and in the best interest of consumers. They are required to be licensed and to follow the guidelines set forth by the Ohio Department of Commerce. The services provided by CCCS agencies in Ohio include helping individuals with debt management, credit counseling, bankruptcy counseling, understanding credit reports and scores, and offering advice on reverse mortgages. These agencies aim to assist consumers in reducing or eliminating late fees, lowering interest rates, consolidating bills, and improving money management skills. The Ohio Debt Adjusters Act and the Credit Services Organization Act are two key state statutes that govern the operation of credit counseling agencies. These laws protect consumers by regulating the business practices of CCCS agencies, ensuring they provide their services ethically and legally. Consumers are encouraged to verify the licensing and compliance of any CCCS agency they consider working with.