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 South Carolina, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with financial and debt-related issues. These agencies are typically nonprofit organizations recognized under section 501(c)(3) of the Internal Revenue Code, which means they aim to provide services that are often free or at a low cost. They offer a range of services including helping consumers to reduce or eliminate late fees and over-limit charges, stop collection calls, lower interest rates regardless of credit score, consolidate bills into a single monthly payment, pay off debt more quickly, and improve financial management skills. CCCS agencies also provide guidance on debt collection management, credit and debt counseling, bankruptcy, understanding credit reports and scores, and navigating reverse mortgages. In South Carolina, these agencies must comply with both federal regulations and state statutes that govern credit counseling services, ensuring they operate within the legal framework designed to protect consumers. It's important for consumers to verify that any CCCS agency they consider working with is properly licensed and accredited in South Carolina to provide these services.