Consumer Credit Counseling Services (CCCS)

Consumer Credit Counseling Services (CCCS) are nonprofit organizations that help individuals manage their debt and improve their financial situations. They offer guidance on budgeting, credit management, and financial planning. CCCS often provide debt management plans, which consolidate credit card debts into one monthly payment, and negotiate with creditors to lower interest rates or fees. These services aim to educate consumers about responsible financial behavior, helping them regain control over their finances and work towards becoming debt-free. Overall, CCCS serves as a supportive resource for those facing financial challenges.