Cccs Of The Mid-Ohio Valley, Inc. logo

Cccs Of The Mid-Ohio Valley, Inc.

3.8/5

CCCS of the Mid-Ohio Valley is a local nonprofit offering free and low-cost financial counseling, debt management, and bankruptcy guidance to residents regardless of income.

Editorially reviewed by Harvey Brooks

Free to Use BBB: NR Free Consultation Visit Website

Cccs Of The Mid-Ohio Valley, Inc. Review

CCCS of the Mid-Ohio Valley, Inc. is a nonprofit organization serving the Greater Mid-Ohio Valley region with a mission to help individuals and families achieve financial wellness through education and counseling. The organization has established itself as a trusted local resource, having worked with thousands of clients over its operational history. Their approach centers on understanding client circumstances and prioritizing their best interests through personalized guidance.

The organization offers a comprehensive range of services including debt management counseling, bankruptcy counseling, budgeting assistance, financial coaching, HUD housing counseling, and home buyer education. They provide multiple delivery formats including in-person training, online workshops, and individual counseling appointments. Their team holds several certifications relevant to financial counseling and specializes in helping clients with credit card debt, loan repayments, and general debt-related challenges. They emphasize proactive planning for the future, not just crisis intervention.

CCCS of the Mid-Ohio Valley distinguishes itself through income-based guidelines that make services affordable regardless of family size or income level, positioning their services as accessible to the full economic spectrum. Their staff is praised in testimonials for being interactive, responsive, and willing to research answers when uncertain. Client testimonials highlight concrete outcomes, including one case where a debt management program reportedly helped clients become debt-free within three years. The organization also offers financial literacy workshops and maintains an email newsletter for ongoing financial advice.

As a free-help nonprofit, this organization operates within the constraints of nonprofit funding and volunteer/staff availability. The website provides limited detail on specific program timelines, success rates, or the exact nature of their debt management programs. While they clearly serve a legitimate counseling function, potential clients should expect standard nonprofit operations rather than specialized or expedited services. The organization's focus on the Mid-Ohio Valley region may limit accessibility for those outside their service area.

Services & Features

Debt management counseling and planning
Pre-bankruptcy counseling and education
Financial coaching and goal-setting
Budgeting assistance and financial literacy training
HUD housing counseling
Home buyer education programs
Credit card debt guidance
Loan repayment planning
In-person financial training
Online workshops
Individual counselor appointments
Email-based financial advice newsletter

Feature Checklist

Credit Education
Identity Theft Protection
Score Tracking
Mobile App
Online Portal
Personal Advisor

Pros & Cons

Pros

  • Income-based sliding scale fees make services accessible to all income levels
  • Staff holds multiple certifications in financial counseling
  • Offers both debt management and pre-bankruptcy counseling in same organization
  • Multiple service formats including in-person, online workshops, and individual coaching
  • HUD housing counseling and home buyer education programs available
  • Documented case outcomes with clients reporting debt freedom in 3-year programs
  • Local nonprofit with staff described as responsive and willing to follow up with answers

Cons

  • Limited to Mid-Ohio Valley region; may not serve clients outside this geographic area
  • Website provides minimal detail on specific program timelines or success rates
  • No transparency on actual debt management program terms or average outcomes
  • Generic website content provides limited specifics about counselor qualifications or methodology
  • Standard nonprofit constraints may result in limited availability or appointment wait times

Rating Breakdown

Value
4.5
Effectiveness
3.5
Customer Service
3.8
Transparency
4.0
Ease of Use
3.5

Frequently Asked Questions

Is Cccs Of The Mid-Ohio Valley, Inc. legitimate?

Yes. Cccs Of The Mid-Ohio Valley, Inc. is a registered company headquartered in Parkersburg, WV. They hold a NR rating with the Better Business Bureau.

How long does Cccs Of The Mid-Ohio Valley, Inc. take to show results?

Counseling available within 1-2 weeks of contact.

Quick Facts

Headquarters
Parkersburg, WV
BBB Rating
NR
BBB Accredited
No
Certifications
HUD-Approved
Starting Price
Free to Use
Setup Fee
None
Free Consultation
Yes
Money-Back Guarantee
No
Visit Cccs Of The Mid-Ohio Valley, Inc.

CreditDoc Diagnosis

Doctor's Verdict on Cccs Of The Mid-Ohio Valley, Inc.

CCCS of the Mid-Ohio Valley is best for Mid-Ohio Valley residents seeking legitimate nonprofit credit counseling and debt management guidance, particularly those with limited income or facing bankruptcy decisions. Primary caveat: services are geographically limited to the Mid-Ohio Valley region, and the website lacks detailed information about specific program outcomes, timelines, or counselor-to-client ratios that would indicate service quality depth.

Best For

  • Residents of the Mid-Ohio Valley facing credit card debt or general debt management challenges
  • Individuals considering bankruptcy who need pre-filing counseling and guidance
  • Low-to-moderate income households seeking affordable financial coaching and budgeting help
  • First-time homebuyers in the region needing HUD-approved housing counseling
Updated 2026-03-21

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