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 Utah, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with various financial challenges. These nonprofit organizations, typically holding a 501(c)(3) status from the Internal Revenue Service, offer a range of services aimed at improving financial literacy and helping consumers manage debt. They provide one-on-one counseling sessions and online resources to help eliminate fees, reduce interest rates, consolidate bills, and improve budgeting skills. CCCS agencies in Utah address issues such as debt collection management, credit and debt counseling, bankruptcy counseling, understanding credit reports and scores, and guidance on reverse mortgages. While many of these services are offered free of charge, it's important for consumers to ensure that any agency they work with is reputable and accredited by recognized organizations such as 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 the integrity of credit counseling services.