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 Wyoming, Consumer Credit Counseling Services (CCCS) agencies are available to assist individuals with financial and debt-related issues. These agencies, typically designated as 501(c)(3) nonprofit organizations by the Internal Revenue Service, offer a range of services to help consumers manage their debt. These services include eliminating late fees and over-limit charges, stopping collection calls, lowering interest rates regardless of credit score, consolidating bills into a single monthly payment, accelerating debt payoff, and improving financial literacy in areas such as spending, budgeting, and money management. CCCS agencies also provide guidance on debt collection management, credit and debt counseling, bankruptcy, understanding credit reports and scores, and reverse mortgages. While these agencies often provide their services free of charge, it's important for consumers to ensure that any agency they work with is reputable and accredited by a recognized organization, 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.