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Free credit counseling agencies in Ohio.

A number of Ohio non-profit credit counseling agencies can offer free or low cost debt reduction services to consumers. If you need help paying off payday loans, paying bills, or preventing a foreclosure, then these organizations may be able to assist with those types of consumer debts. They also assist with other forms of predatory blending, such as car title loans. Find information on Ohio credit counseling agencies near you below and call or stop by a local office.

The non-profit organizations in Ohio can offer various forms of housing, debt reduction, and credit counseling services. The goal is to help individuals and families who are struggling with paying their mortgage or other debts, even including car loans. Most of the programs and resources are offered for free to qualified individuals, or there may be a minimal fee due in some cases.

The assistance provided in wide ranging. The specialists from an agency can work directly with the homeowners lenders and creditors to help the individual get back on track. In addition, if the family is just too far behind, the counselors at the Ohio credit counseling agencies can provide bankruptcy advice and information on government programs that they may be eligible for. They can even help families apply for free loans.

Advantage Credit Counseling Service, Inc.
Phone number - 888-511-2227

Advantage Debt Management of America
Address - 4424 Aicholtz Road, Suite H
Cincinnati, Ohio 45245
Dial 877-245-5435

Additional locations of this agency are located in the following Ohio cities. Each of them offer various forms of assistance for dealing with debts and other bills.

  • 4015 Executive Park Drive Suite 150
    Cincinnati, OH 45241
    Dial for help - 513-563-4357
  • 5968 Glenway Avenue
    Cincinnati, Ohio 45238




Alpha Community Services
121 West Water Street, Suite D
Sandusky, OH 44870
The non-profit organization can be reached at 419-626-1450. Additional offices of this free credit counseling organization are below. Counselors will discuss the clients overall financial situation and take a holistic approach to helping them reduce their credit card debts, lower the interest rates on any loans they have, and enroll individuals in programs such as Debt Management Plans.

  • Another site is at 1358 East Perkins Avenue
    Sandusky, Ohio 44870
    Call 419-626-1450
  • 158 East Market Street
    Sandusky, OH 44870
    The phone number for this office is 419-626-1450

Community Credit Counseling Specialists, Inc.
Main office is located at - 5301 Southwyck Blvd., Suite 100
Toledo, OH  43614
Phone number is 888-662-3313

Compass Family & Community Services
Stop by the non-profit agency at 535 Marmion Avenue
Youngstown, Ohio 44502
Dial 330-782-5664 for information on foreclosure assistance and details on how to get help with debts. The free credit counseling agency in Ohio can assist with a number of bills.

Address: 966 1/2 N. Market Street
Lisbon, OH 44432
For an appointment, dial 888-258-0694
This office offers advice in both Spanish and English. Clients can learn about programs to pay down medical or hospital debts, address payday loans, and learn how to rebuild credit scores. Additional details can also be found on automobile loan payment assistance programs.





Consumer Credit Counseling Service of the Midwest, Inc.
4500 East Broad Street
Columbus, OH 43213
The agency offers mortgage and foreclosure assistance as well as debt reduction programs. This is the largest non-profit in Ohio, and they may have an office near you. Stop by or call any of the following offices for more free services, including foreclosure advice and ways to get out of debt.

Low income families in Ohio often turn to payday lenders as well, and this non-profit can help borrowers eliminate those loans or find alternatives. There are repayment programs, legal actions to take, and other solutions. Staff provide a number of services to customers, and those with a very low income may receive free advice and guidance. The phone number for every office listed below is 800-355-2227.

  • 2569 Romig Road Suite 203A
    Akron, OH 44320
  • 1085 W. State Street
    Alliance, Ohio 44601
  • 4200 Park Avenue
    Ashtabula, Ohio 44004
  • 21403 Chagrin Boulevard Suite 102
    Beachwood, OH 44122
    Call 800-355-2227 to speak to a housing or credit counselor.
  • 8261 Market Street Suite K & H
    Boardman, Ohio 44512
  • 2800 Market Avenue North  Suite 18
    Canton, Ohio 44714
    This locations focuses on immigrants, single moms, and low income families that take out payday loans, as the use of them is very high in Canton. Learn about how to budget, consolidate debts, and other pro-active solutions.
  • Location - 2800 Euclid Ave. Suite 101
    Cleveland, OH 44115
  • Address - 12200 Fairhill Road Suite C140A
    Cleveland, OH 44120
    The entire county is supported by this office. Clients range from people behind on their mortgage to individuals seeking ways to consolidate medical debts. The Ohio credit counseling center is free to very low income families.
  • Address - 1941 Carlin Avenue
    Findlay, Ohio 45840
    Telephone number is 419-425-5320
  • 1519 N. Main
    Lima, Ohio 45801
    Call - 800-355-2227
  • One Marion Avenue Suite 307
    Mansfield, OH 44903
  • 445 W. Liberty Street
    Medina, Ohio 44256
  • 35104 Euclid Ave.
    Mentor, Ohio 44060
  • 5339 Ridge Avenue Suite 201
    Parma, Ohio 44129
  • Office is 20545 Center Ridge Road  Suite 212
    Rocky River , Ohio 44116
    Dial 800-355-2227 for details on services.
  • 2531 Columbus Avenue
    Sandusky, OH 44714
  • 9205 State Route 43
    Streetsboro, OH 44241
  • Address - 457 S. Reynolds Road
    Toledo, Ohio 43615
  • 3050 Elm Road
    Warren, Ohio 44483
  • 554 N .Park Avenue, Northeast
    Warren, OH 44481
  • This credit and debt reduction office is located at 35104 Euclid Avenue
    Willoughby, Ohio 44094





Consumer Credit Counseling of Portage & Columbiana Counties
966 1/2 N. Market Street
Lisbon, Ohio 44432
Telephone number - 330-424-7991
Specialists work with homeowners by offering mortgage assistance. They also deal with everything from bankruptcy to helping struggling individuals avoid some of the scams that take place.

Family & Community Services, Inc.
Address: 705 Oakwood Street
Ravenna, Ohio 44266
Dial the credit counseling agency at - 330-677-4124
Any family in a hard-ship can sign up for services. The center is involved in issuing debt management programs, will assist with consolidating medical debts, and explore other hardship programs

Graceworks Lutheran Services
The main location of the non-profit credit counseling location is 3131 South Dixie Drive, Suite 300
Dayton, OH 45439
Call 937-643-2227 or 1-800-377-2432 for information on various housing and credit repair and debt programs. Additional offices: of the faith based charity group are as follows:

113 N. Ohio Street Suite 202
Sidney, Ohio 45365

Address is 204 N. Fountain
Springfield, OH 45504

Greenleaf Family Center
212 East Exchange Street
Akron, OH 44304-1723

The center operates from other offices across Ohio too, and their addresses are below. Specialists are available for credit card debts and addressing medical bills for families in Ohio. They also offer consultations on when to file bankruptcy and go over the impacts of this.

  • Stop by the Ohio HUD approved agency at 2573 Medina Road
    Medina, Ohio 44256-9628
  • 215 S. Walnut Street
    Address - Wooster, Ohio 44691-4753
    Telephone number - 800-277-9494

Trillium Family Solutions Inc.
They are a leading non-profit in Ohio. Assistance in contesting a foreclosure is available as well as other debt reduction services. Staff will also help families that are receiving harassing calls from collectors. Learn about DMPs, home loan modifications, and other solutions.

Address - 101 Cleveland Avenue NW, Suite 300
Canton, OH 44702
For information, call 330-454-7066
Budgeting workshops are held by this Ohio based non-profit.

1410 W. State St.
Alliance, Ohio 44601







LifeSpan, Inc
Location: 1900 Fairgrove Avenue
Hamilton, Ohio 45011
Phone: 513-868-3210
A community action agency that also helps with debt and credit services. They are federal government certified. Local Ohio families, including the working poor and seniors, can learn about programs that help with payday loans, enter into a Debt Management Plan (DMP), and apply for other free services.

Additional offices are at 7588 Central Parke Blvd. Suite 322, Mason, Ohio 45040 (phone 513-868-9220) as well as 1002 North University Blvd., Middletown, OH 45042 (dial 513-424-6888).

Other offices for Trillium are as follows. All of the same programs are offered from these centers too.

Address - 624 Market Avenue N.
Canton, OH 44702
With the increasing number of car loans being issued to consumers, clients of this non-profit can get assistance in refinancing those debts as well as other bills.

Location is - 934 Amherst Rd. NE
Massillon, Ohio 44646
Telephone number - 330-832-2427

By Jon McNamara














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