Consumer Credit Counseling

Consumer Credit Counseling Service provides confidential, professional and personalized financial counseling in Northeast Ohio.


of every dollar donated goes toward direct service.


people are served each year through our programs.


individuals volunteer every year.


Consumer Credit Counseling Services (CCCS) is a program that offers services such as financial education, budgeting assistance, and debt management plans.

Through this program, consumers can work with a credit counselor to:

  • Create and/or develop a household budget
  • Access and understand your personal credit report
  • Eliminate credit debt through a personalized debt management program (creditors typically reduce interest, minimum payments and fees through this program!)
  • Attend financial literacy classes in the community
  • Set financial goals for the future and a plan to achieve those goals
  • Complete required bankruptcy credit counseling and education certification

Through the Strategies for Attaining Financial Empowerment ($AFE) program, CCCS also provides educational programs to consumers on budgeting, credit worthiness and help to understand credit bureau reporting.

Consumers meet with a financial counselor and can actively participate in their financial future. These programs are available to individuals, groups, churches, employers and organizations at no charge. CCCS also provides classes tailored to meet the specific needs of a group. CCCS is a certified member of the National Foundation for Credit Counseling (

Consultation No Charge
Debt Management Program Set-up Fee $50.00
Debt Management Monthly Maintenance Fee $15.00
Pre-Bankruptcy Credit Counseling $50.00 individual, $65.00 joint
Bankruptcy Personal Financial Management Course $50.00 individual, $65.00 joint

In limited circumstances, a client may be eligible to have fees waived. For more information, please click here.


Did you know the Gramm-Leach-Bliley Act requires financial institutions – companies that offer consumers financial products or services like loans, financial or investment advice, or insurance – to explain their information-sharing practices to their customers and to safeguard sensitive data?

For information about the Gramm-Leach-Bliley Act, please click here.

CCCS Disclosure Statement   Post BKO Privacy Statement

Program Mission

To provide professional consumer credit counseling and to treat all clients with dignity, respect and appropriate confidentiality.


705 Oakwood St. Suite 106
Ravenna, OH 44266
P: 330.297.0080 Ext. 362
F: 330.297.0112


966½ North Market St.
Lisbon, OH 44432
P: 330.424.7991
F: 330.424.7999