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Consumer Credit Counseling Service

Are credit or money issues stressing you out?

Since 1984, Consumer Credit Counseling Service, CCCS, has been dedicated to educating and empowering individuals and families to master their finances.

To fulfill this mission, CCCS provides the following free and low-cost services:

  • Individual budget counseling
  • Debt management
  • Community education

These consumer credit services are specifically designed to help clients take control of their financial future.

To schedule an LSS financial counseling appointment or speak to one of our counselors, please do one of the following:

Consumer Credit Counseling Services at LSS

LSS has offices in South Dakota, offering day and evening hours for consumer credit counseling in-person, online or by phone.

These services are designed to help you take control of your financial future.

Financial Management/Budgeting Session

A financial management/budgeting session begins with a discussion on your financial concerns, followed by a thorough review of your income, expenses, and debt. We’ll help identify the problem(s) influencing your situation and set realistic financial goals.

After completing financial counseling you will have a detailed spending plan tailored to your situation and an action plan with the specific steps necessary to accomplish your goals.

Counseling includes referrals to other services from which you might benefit. To meet the needs of families in South Dakota, Iowa and Minnesota, CCCS provides financial counseling in-person, over the phone and on-line by Certified Credit Counselors.

Debt Management Program

If you need help managing your money and getting out of debt, our Debt Management Program (DMP) may be for you.

We will work with your creditors to reduce your monthly payments and stop collection activity. The DMP allows you to make one monthly payment to CCCS, which is then disbursed to all of your creditors. Our DMP is not a debt settlement program – contact us to learn more about avoiding debt management scams. CCCS provides debt management programs in South Dakota and is also licensed in Iowa and Minnesota.

If you feel you might benefit from the DMP, Schedule an Appointment online today or contact our office at 888-258-2227 or email

Counselors provide confidential, thorough reviews of monthly living expenses and outstanding debts. In addition, we develop detailed action plans outlining steps to accomplish your financial goals.

It is never too late to get started on the road to financial success – and we’re here to help!

Credit Report Consultation

A Credit Report Consultation is an education-focused session that will help you understand your credit report. A certified credit counselor will thoroughly review the information with you.

Discussion topics may include:

  • understanding credit reporting methods and scoring
  • correcting errors
  • protection against identity theft
  • effective use of credit
  • money management strategies that build strong reports and scores
  • debt repaying strategies

The consultation fee is $30. Contact LSS Consumer Credit Counseling Service for more information on scheduling a confidential consultation.

You may obtain copies of your credit reports for a charge from each of the three major Credit Bureaus OR click on the link below to access your free credit report. Access your free credit report here.

Bankruptcy Counseling

Consumer Credit Counseling Service understands the decision to file bankruptcy is not an easy one to make. We provide counseling to help you through the filing process.

Bankruptcy law states you must complete a counseling session from an EOUST approved credit counseling agency* like LSS and obtain a certificate of bankruptcy counseling prior to filing for bankruptcy. Our pre-filing counseling sessions will help you review your options and make an informed decision. On average, the session is 60 minutes in length. Sessions may only be completed in person by individuals filing in South Dakota, Iowa or Minnesota.

Please call 888-258-2227 to speak with a representative or to schedule an appointment.

*Approval does not endorse or assure the quality of an agency’s services