Consumer Credit Counseling


Whether it’s mounting credit card or medical bills, your home is in danger of foreclosure or you simply need help with saving and budgeting, Consumer Credit Counseling Service, a division of Goodwill Industries of KYOWVA Area, Inc., offers counseling services designed to bring peace of mind to your financial situation.

CCCS is a member of the National Foundation for Credit Counseling, the nation’s largest and longest-serving national non-profit credit counseling organization. We are accredited by the Council on Accreditation, and are your local, reliable and reputable solution for alleviating the stress of your financial concerns.

We have helped thousands of people pay off millions of dollars of debt with our successful Debt Management Program (DMP). Unlike frequently advertised and misleading debt settlement programs, our DMPs include a personal counselor who serves as mediator between you and your creditors, manageable monthly payments, reduce interest rates and cessation of collection calls. You make one monthly payment to CCCS, and we do the rest, with a goal of having you debt free in 3 to 5 years. We are here to help you avoid bankruptcy.

Other services we offer clients are budgeting help and debt management plans. We also offer low-cost credit reports, financial education, and pre- and post-bankruptcy counseling on-site or via Zoom. Our counselors provide individual assistance with managing your money, examining current financial problems and education to prevent future difficulties. Many of our programs are available online, accessible from the comfort of your own home. Another area of focus for CCCS is our homebuyer education program.

No matter how much or how little debt you have, we can help. Acknowledging the problem is the first step, calling CCCS is next. Contact us by phoning 304-522-4321 or 888-534-4387, or e-mailing Our services are confidential as your privacy is of utmost importance.

Online services

For a personalized assessment of your overall financial health click here. It’s a FREE online quiz that helps you assess your financial life, and then suggests changes you could make to maximize your economic situation.

For housing counseling, click here.

Client Portal/Application: click here

For Debtor Education Disclosure, click here.  For bankruptcy counseling, click hereNote: CCCS may disclose information to the United States Trustee. The United States Trustee has reviewed only CCCS’s counseling/instructional services and no other services the agency may provide.