The phrase you are looking for is (often abbreviated as CCCS ).
When looking for a reputable agency, the Federal Trade Commission (FTC) recommends checking for: consumer couseling credit
It is a common name used by many regional non-profit organizations that provide financial advice, budgeting assistance, and debt management plans. Key Services Provided The phrase you are looking for is (often
They negotiate with creditors to lower interest rates and consolidate multiple credit card payments into one monthly bill. consumer couseling credit