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BBB Accredited Business since


Additional Locations

Phone: (800) 355-2227 View Additional Phone Numbers 21403 Chagrin Blvd Ste 102, Beachwood, OH 44122

Click for BBB Rating on Apprisen

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Consumer Credit Counseling Service of Northeastern Ohio is a not-for-profit corporation organized for the purpose of providing free, comprehensive financial education and counseling services to clients relating to consumer credit and money management. The CCCS Debt Management Program (DMP) is a structured debt repayment program that can assist people in reducing or paying off debt. Webvisor is a free, confidential, self-guided counseling program available on the agency's website. As HUD approved agency, CCCS also provides comprehensive housing counseling, including counseling for those delinquent on their mortgages or who are considering a reverse mortgage loan. Approved by the Executive Office of the U.S. Trustees, CCCS offers the required bankruptcy counseling and education services. CCCS also teaches financial education skills and concepts through community and on-line programs.

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: January 01, 1964 Business started: 01/01/1955 in OH
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Ohio Department of Commerce / Division of Financial Institutions
77 South High Street, 21st Floor, Columbus OH 43215-6120
Phone Number: (614) 728-8400
Fax Number: 614-728-0380

Type of Entity


Business Management
Mr. Michael Kappas, President Mr. Ram Mayekar Mr. Victor Russell, Counselor Supervisor
Contact Information
Principal: Mr. Michael Kappas, President
Customer Contact: Mr. Ram Mayekar
Business Category

Credit & Debt Counseling Training Programs

Method(s) of Payment
The majority of counseling and educational services are offered at no cost.
Service Area
This organization is headquartered in Columbus, OH. As of March 16, 2011, complaints filed against this organization will be handled by BBB serving Central Ohio. You can access the headquarters report for this organization by clicking here.
Alternate Business Names
Apprisen Financial Advocates Consumer Credit Counseling Serv. of N.E. Ohio Consumer Credit Counseling Service Consumer Credit Counseling Service of Northeast Ohio
Industry Tips
Consumer Credit Counseling Services

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.

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.