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 Oklahoma, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with financial and debt-related issues. These agencies are typically nonprofit organizations with 501(c)(3) status, recognized by the Internal Revenue Service, which means they are often able to provide services free of charge or for a minimal fee. They offer a range of services including helping clients eliminate late fees, reduce interest rates, stop collection calls, consolidate bills, and pay off debt more quickly. Additionally, they provide education on improving spending, budgeting, and money management skills. CCCS agencies also address issues related to debt collection management, credit and debt counseling, bankruptcy, understanding credit reports and scores, and reverse mortgages. In Oklahoma, these agencies must comply with both state statutes and federal laws that regulate credit counseling services, ensuring they operate within legal guidelines to protect consumers. It's important for consumers to verify the legitimacy and accreditation of a CCCS agency before engaging their services to ensure they are receiving reliable and lawful assistance.