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 Vermont, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with financial and debt-related issues. These agencies are typically nonprofit organizations with a 501(c)(3) status, recognized by the Internal Revenue Service, which means they are often able to provide services at little or no 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 in Vermont can also provide guidance on debt collection management, credit and debt counseling, navigating bankruptcy, understanding credit reports and scores, and information on reverse mortgages. While these agencies offer valuable resources, consumers should ensure that they are working with a reputable agency. It's important to note that while CCCS agencies can provide assistance, they do not have the power to alter legally binding agreements with creditors without their consent. Consumers should also be aware of their rights under federal laws such as the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), as well as any relevant Vermont state statutes that govern credit counseling services and consumer protection.