Programs & Services

Consumer Credit Counseling Service (CCCS)

Let Family and Community Services Help You - Call for an appointment today!

Let Family and Community Services Help You – Call for an appointment today!


Please contact us to help you with your credit issues.

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

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

People can meet face to face with a financial counselor, or by phone if preferred, and can actively participate in their financial future. 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.

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 (


Contact Consumer Credit Counseling Services!

Contact Consumer Credit Counseling Services!



No Charge
Debt Management Program Set-up Fee $50.00
Debt Management Monthly Maintenance Fee $10.00
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.



Family and Community Services, Inc. is excited to announce that as a member of the National Foundation for Credit Counseling® (NFCC®), we are bringing you and participating in the Sharpen Your Financial Focus™ campaign. Programs offered to consumers through the campaign will provide you great information to make smart money decisions. Visit to get started.

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.





705 Oakwood Street, Suite 106

Ravenna, OH 44266

P: 330.297.0080, ext. 362

8:30 a.m. – 5:00 p.m., M – F


966 ½ North Market Street

P.O. Box 413

Lisbon, OH 44432

P: 330.424.7991

8:30 a.m. – 5:00 p.m., M – F