NFCC-approved non-profit credit counseling organization serving Wisconsin and Minnesota with free financial counseling, debt management, and homeowner education.
Editorially reviewed by Harvey Brooks
CCCS of Sheboygan is a non-profit financial counseling agency approved by the National Foundation for Credit Counseling (NFCC) and operates across Wisconsin and Minnesota. The organization has established itself as a consumer advocate focused on financial wellness through accessible education and personalized guidance. Founded to serve communities in Sheboygan, LaCrosse, West Bend, and Fond du Lac, the agency combines professional expertise with a community-oriented approach.
The organization offers a comprehensive range of services centered on financial education and one-on-one counseling. Their flagship offering is a free 1-hour initial consultation that includes a comprehensive financial assessment, credit score review and improvement strategies, goal planning, and a customized action plan. Beyond this, CCCS provides ongoing debt management counseling, educational financial courses through partner organizations, specialized housing decision counseling, and homeowner education programs. They maintain a toll-free intake line (1-800-350-2227) and offer flexible appointment scheduling.
CCCS distinguishes itself through its NFCC certification, indicating adherence to national standards and quality assurance in credit counseling. Their marketing materials emphasize measurable outcomes, claiming that the majority of clients increase savings and decrease debt by 10% within six months. The organization positions itself as non-judgmental, with client testimonials highlighting that the counseling "didn't make me feel stupid" and helped people who "didn't know where to turn." They actively engage in financial advocacy and maintain educational resources beyond direct counseling.
As a legitimate non-profit, CCCS represents a genuine alternative to predatory lending or debt settlement scams. However, potential clients should understand that results depend heavily on individual circumstances and commitment to the suggested action plans. While the free initial consultation removes financial barriers to access, ongoing counseling services likely involve fees or suggested donations not clearly detailed on their public-facing website.
Yes. Cccs Of Sheboygan is a registered company headquartered in West Bend, WI. They hold a NR rating with the Better Business Bureau.
Counseling available within 1-2 weeks of contact.
CreditDoc Diagnosis
CCCS of Sheboygan is best for Wisconsin and Minnesota residents seeking legitimate, non-profit credit counseling from an NFCC-certified agency. The main caveat is that while the initial consultation is free, ongoing services likely involve fees not transparently disclosed upfront, and results depend entirely on individual commitment to the counselor's recommendations and the client's ability to follow through on the action plan.
Non-profit credit counseling agency offering free debt management, bankruptcy, and housing counseling services. NFCC member with 50+ years serving 400,000+ clients.
Best for: Individuals with multiple credit card and unsecured debts seeking structured repayment guidance, First-time homebuyers or homeowners seeking foreclosure prevention counseling
Allworth Financial is a fiduciary wealth management and financial planning firm with $35B AUM, 32,000+ clients, and 30 years in business, offering comprehensive advisory services.
Best for: Affluent individuals and families seeking comprehensive, integrated wealth management and financial planning, Airline industry employees (pilots, crew) requiring specialized benefits and retirement planning guidance
American Consumer Credit Counseling (ACCC) offers free consultations, debt management plans, and multi-service counseling to help consumers reduce interest rates and pay off debt. BBB A+ rated.
Best for: Consumers with $1,000–$100,000+ in credit card debt seeking a structured repayment plan without new loans, People who have fallen behind on payments and are exploring alternatives to bankruptcy
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Cccs Of Sheboygan and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.