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BBB Accredited Business since

Apprisen

Phone: (330) 823-1185 Fax: (866) 733-2227 View Additional Phone Numbers 2800 Market Ave N Ste 18, Canton, OH 44714 http://www.apprisen.com/


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Description

Apprisen offers financial and credit counseling to consumers as well as community outreach.


BBB Accreditation

A BBB Accredited Business since

BBB has determined that Apprisen meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.


BBB Complaint Information

Find aggregate BBB complaint information for Apprisen. BBB of Central Ohio has the full report as that BBB handles all complaints for Apprisen.


Additional Information

BBB file opened: December 26, 1989 Business started: 03/24/1972 in OH Business started locally: 03/24/1972 Business incorporated 02/10/1967 in OH
Type of Entity

Corporation

Business Management
Ms. SHARON MILLER Mr. Victor Russell, Regional Manager Mr. Jim Zeier, Vice President
Contact Information
Customer Contact: Ms. SHARON MILLER
Business Category

CREDIT & DEBT COUNSELING

Alternate Business Names
CCCS Consumer Credit Counseling Service of the Midwest, Inc Consumer Credit Counseling Services
Additional Information

The organization does business nationally as Apprisen, and in local communities the organization also continues to do business as Consumer Credit Counseling Service (CCCS).


Services are available in person at the headquarters in Columbus, Ohio, and in approximately 21  local offices in 8 states - Ohio, Florida, Indiana, Kansas, Kentucky, Missouri, Tennessee and Washington.

Services are also available through counseling over the telephone and via the internet nationwide. 

CCCS does not charge a fee for the initial counseling session. 

If a consumer chooses to sign up for the Debt Management Program (DMP), CCCS asks for an initial sign up contribution and a small monthly contribution to help defray the cost of the program. 

The Debt Management Program services are also available if the consumer is unable or prefers not to contribute. 

CCCS Provides financial education workshops and seminars to community groups and organizations on a variety of topics such as budgeting, using credit wisely, understanding credit reports and scores, ID theft, and correctly managing checking accounts. 

CCCS is a HUD approved housing counseling agency and provides pre-purchase, delinquency and foreclosure prevention counseling. 

Reverse Equity housing counseling is also available. 

CCCS offers several other services and products to consumers and does charge for these services, including: 
- Credit Report Review during which a certified counselor will help them understand what is in their credit report. 
- Bankruptcy Counseling and education (Pre and Post) approved by EOUST (Executive Office of the U.S. Bankruptcy Trustees) as required by the new bankruptcy legislation. 
- Contingency Planning for anyone contemplating bankruptcy to learn exactly what to expect. 
- Financial Health Kit which is a software based budget kit. 
- Identity Theft Session for clients who want to make sure no one has stolen their identity, and to learn what to do in case it has already happened. 

The purposes of Consumer Credit Counseling Service are: 
- To educate and counsel on budgeting and money management. 
- To help persons with debt problems develop a plan for repayment within their means and with cooperation of their creditors. 
- To help prevent money management problems by fostering education on the use of credit, on budgeting and money management. 

The following is an outline of procedures mostly used: 

- Step One. The potential client is informed of CCCS existence by friend, relative, social service agency, creditor, T.V. spot, or other interested organizations. 

- Step Two. The potential client calls CCCS for more information to schedule an appointment for an interview. 


- Step Three. When the prospective client calls, an appointment is scheduled at the earliest convenient time. He or she is told what to bring to the counseling session and given directions to the office. If the client prefers, a phone session will be scheduled and the counselor will call him or her back at that time. 

- Step Four. The counselor meets with the individual and obtains full information on the financial picture. This is a cooperative interview with much exploration and questioning. 

The counselor educates the individual on basic money management concepts pertinent to the situation and jointly develops an action plan that identifies options for resolving the financial picture that are in the person's best interests. 

The plan may include referrals to community resources. 

For some, the Debt Management Program may be an option and the counselor will work with the client to set up a reduced payment plan that complies with the creditors' requirements. A budget is established for the client that mirrors the income and expenses they presented to the counselor. 

If they have insufficient funds to enter into a DMP, they are given suggestions about how to reduce their expenses and ways to increase their income. 

If unable to establish a DMP, and if the client is still interested in CCCS's assistance, the counselor will work with them going forward until a DMP can be established. 

It is important to note that the repayment plan pertains not only to the existing principle, but also to the interest on their unsecured debt that will continue to accrue, so that when the DMP is successfully completed, the creditors included in the DMP will be paid in full. 

- Step Five. Upon completion of the interview, the counselor advises the applicant of the alternatives. If the applicant decides to participate in the CCCS program, he or she signs a voluntary agreement. 

- Step Six. On any involved cases requiring pro-rating in Debt Management Program, the creditors are contacted electronically and by mail and the situation explained to obtain their cooperation in acceptance of the plan set up. Most creditors want to be helpful and based on their established creditor policies, will accept a revision of payment if recommended by the counselor as part of a definite composite plan. After agreement, arrangement is established whereby the client deposits the agreed weekly, bi-weekly, semi-monthly, or monthly amount directly to the CCCS office. 

- Step Seven. On a suitable disbursement date, the clients' funds are primarily disbursed electronically. In the event that the creditor does not accept electronic funds, CCCS makes out and mails checks to each of the creditors.

 

*BBB Note:  At this time, BBB has determine that a Business Review report is more applicable than a Charity Wise Giving Report evaluation for Apprisen / CCCS, because the organization's primary source of income is related to voluntary contributions from creditors who participate in the organization's debt management plans, donations from financial institutions, and client fees, rather than solicitations of the general public for charitable contributions.

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.