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 Dakota, Consumer Credit Counseling Services (CCCS) are available to assist individuals with financial and debt management. These nonprofit organizations, often designated as 501(c)(3) by the IRS, offer various services including debt collection management, credit and debt counseling, guidance on bankruptcy, and education on credit reports, credit scores, and reverse mortgages. They aim to help consumers reduce or eliminate late fees, lower interest rates without regard to credit score, consolidate bills, and improve money management skills. While these services are typically free, it's important for consumers to ensure that any CCCS agency they work with is reputable and accredited. South Dakota may have specific regulations governing the operation of these agencies, and consumers should verify that the agency complies with any applicable state laws and federal regulations.