What primary service does CCCS provide?

The primary service provided by a Consumer Credit Counseling Service (CCCS) is debt management counseling. This involves helping individuals assess their financial situation, create budgets, and develop strategies to manage and repay their debts. CCCS organizations offer educational resources and support to consumers struggling with debt issues, guiding them towards better financial habits and outcomes. This service is essential for those who may be facing challenges in managing multiple debts or are at risk of falling into deeper financial trouble. Through counseling, CCCS assists clients in understanding their financial health and negotiating with creditors if necessary, which can lead to improved credit scores and financial stability over time.