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?

Consumer Credit Counseling Service (CCCS) is a local, not-for-profit credit counseling agency. Our certified credit and housing counselors
will provide you with the support, knowledge and tools needed to make informed financial decisions. For more than 30 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.  

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.  

CCCS is approved by the U.S. Department of Housing and Urban Development (HUD) to provide housing counseling. The Executive Office of the United States Trustee has approved CCCS 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, 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 and Springfield, Ohio  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.