Consumer Credit Counseling Service

Are you at risk of foreclosure or bankruptcy? Or maybe you just need help managing your debt or sticking to a budget?

Our certified credit and housing counselors help individuals prevent foreclosure or bankruptcy and since 1980, we have helped thousands of people develop a budget, manage debt or negotiate with lenders or creditors. We have classes in financial management, credit and debt management and bankruptcy.

Consumer Credit Counseling Service (CCCS) is a local, not-for-profit credit counseling agency. CCCS provides you with the support, knowledge and tools needed to make informed financial decisions.  Over the past 25 years, we’ve helped thousands regain control over their debt, rebuild their credit and ultimately achieve financial fitness.  

We offer confidential financial counseling, debt management programs, housing counseling and bankruptcy counseling* personalized to meet your needs. Our certified counselors have the experience, knowledge and compassion to help develop a plan to resolve challenging financial situations.  

Housing counseling, foreclosure prevention
If you are falling behind on home payments, Contact us before it's too late. We have increased our housing counseling to help increasing numbers of homeowners facing foreclosure.  

Bankruptcy counseling*
CCCS is approved by the US Department of Housing and Urban Development (HUD) to provide housing counseling and by the Executive Office of the United States Trustee to provide bankruptcy counseling and pre-discharge financial education.*

CCCS is a member of the Better Business Bureau and the National Foundation for Credit Counseling (NFCC). We are accredited through the Council on Accreditation for Children and Family Services (COA).

While we do offer certain specific services that require a fee, most of our general counseling services are free. CCCS is funded by voluntary contributions from creditors, client donations, grants and other community-based resources.

As a program of Graceworks Lutheran Services we are headquartered in Dayton, Ohio, and serve Southwest Ohio and Southeast Indiana. We have satellite locations in Sidney, Springfield, Ohio and Richmond, Indiana.  Contact us at one of our convenient locations nearest you. It is our mission to provide you with quality credit counseling and financial education so that you can make wise financial choices for your life.

*Approved to issue certificates in compliance with Bankruptcy Code.  Approval does not endorse or assure the quality of an agency’s services.