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 West Virginia (WV), consumer credit counseling services (CCCS) are available to assist individuals with managing their debt and improving their financial literacy. These agencies typically offer services such as debt management plans, credit and debt counseling, assistance with bankruptcy filing, guidance on credit reports and scores, and advice on reverse mortgages. As 501(c)(3) nonprofit organizations, CCCS agencies in WV aim to provide these services at little to no cost. They help consumers reduce or eliminate late fees and over-limit charges, stop collection calls, negotiate lower interest rates regardless of credit score, consolidate bills into a single monthly payment, accelerate debt payoff, and enhance budgeting and money management skills. It's important for consumers to ensure that any credit counseling agency they work with is licensed and approved by the WV Division of Financial Institutions or another recognized accrediting organization to ensure the quality and reliability of the services provided.