BBB Accredited Business Profile



(816) 753-0535


63 years in business
8826 Santa Fe Dr Ste 110
Overland Park, KS 66212-3672
Fax Numbers
  • (816) 795-9058
Additional Phone Numbers
  • (614) 552-2222
  • (913) 642-5393
Additional Website Addresses
BBB File Opened: 01/01/1966
Business Started: 01/01/1955
Type of Entity
Non-profit Organization
Business Management
  • Ms. Iran Amani, Division Manager
  • Mr. Mike Kappas, CEO
  • Mr. Brian Yoder, Compliance Manager
Business Category
  • Credit and Debt Counseling
Additional Information
  • 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...
  • 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 organization does business nationally as Apprisen, and in local communities the organization also continues to do business as Consumer Credit Counseling Service (CCCS).

Service Area
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. 
Alternate Business Names
  • CCCS
  • Consumer Credit Counseling Service of the Midwest, Inc.
BBB accredited business


Apprisen, also known as Consumer Credit Counseling Service is a non-profit 501(c)(3) organization debt management and counseling services.

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Based on BBB files, this business has a BBB Rating of No Rating. The reason is as follows:
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