Consumer Credit Counseling Service of the Midwest Inc.
Programs and results
What we aim to solve
Our programs
What are the organization's current programs, how do they measure success, and who do the programs serve?
Financial Coaching
The Apprisen Financial Coaching program is a holistic 12-month program that empowers, supports and motivates clients to achieve their financial goals. In the Financial Coaching program, consumers will receive budget coaching and access, review and dispute their credit report while identifying strategies for improving their overall credit rating. In addition, consumers will develop strategies to pay down debt, explore ways to save money and increase their overall financial knowledge. Financial Fitness Coaches provide guidance, accountability and support. They educate and motivate their clients to take control of their financial lives. Most importantly, coaches empower their clients to take control of their financial lives.
Community Outreach/Financial Education
Apprisen actively works to identify and meet community financial education needs through strategic partnerships with financial institutions, community organizations, and employers, as well as conversations with our clients and the general public.With that knowledge, we develop a variety of financial education programs built around basic financial education topics and deliver them in several ways: workshops, seminars, webinars, website content, and interviews with the media. Our outreach team regularly reviews results from a standardized evaluation tool in order to identify strengths, weaknesses, and emerging areas of greatest need.
Comprehensive Financial Counseling
Comprehensive and confidential one-on-one counseling with a certified financial stability specialist who assists individuals and families to create an overview of their current financial situation, adjust budgets, consider options for resolution of credit and debt problems, and develop an action plan. These initial sessions are provided at no cost to the consumer through an in-person, telephone, or online.In addition, Apprisen offers HUD-approved housing counseling focusing on helping a homeowner maintain a current status on their mortgage, resolve delinquency or prevent foreclosure. Apprisen is also approved through the Office of the U.S. Trustees to provide bankruptcy prefiling counseling sessions.
Debt Management Plan
The Debt Management Program serves the dual role of helping financially-distressed consumers maintain payments on unsecured debt (credit cards, medical bills, and collection accounts) and helps creditors receive regular payments. This program can be an alternative to bankruptcy and wage garnishment.During the initial comprehensive counseling, counselors determine appropriateness for this program. Generally, it is most effective for people who have sufficient income to cover all priority expenses (housing, food, and transportation) and enough left over to distribute to unsecured creditors. New payments are proposed to creditors by Apprisen and the consumer makes monthly payments through Apprisen. Many creditors will waive or reduce interest and fees for Debt Management Program participants. Due to strong on-going client support and a commitment to financial education, Apprisen has one of the highest success rates within the credit counseling industry.
Where we work
Accreditations
Council on Accreditation (COA) [for Children and Family Services] - Accreditation 2015
Awards
Client of the Year 2006
NFCC
Housing Client of the Year 2012
NFCC
Affiliations & memberships
Better Business Bureau Wise Giving Alliance - Organization 2008
Nashville Area Chamber of Commerce 2010
National Foundation for Credit Counseling 1955
External reviews
Financials
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Operations
The people, governance practices, and partners that make the organization tick.
Connect with nonprofit leaders
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Connect with nonprofit leaders
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- Analyze a variety of pre-calculated financial metrics
- Access beautifully interactive analysis and comparison tools
- Compare nonprofit financials to similar organizations
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Consumer Credit Counseling Service of the Midwest Inc.
Board of directorsas of 01/11/2024
Kayla Selhorst
Frederick Heyse
Retired-Proctor & Gamble
Jay Michael
Attorney at Law
Steve Weiker
Relay Health
Teresa Rich
Yakima Valley Community College
Joshua Curtis
Footprint Capital
Michael Harding
Harding Financial Group
Stacy Toki
BMI Federal Credit Union
Kayla Selhorst
CME Federal Credit Union
Board leadership practices
GuideStar worked with BoardSource, the national leader in nonprofit board leadership and governance, to create this section.
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Board orientation and education
Does the board conduct a formal orientation for new board members and require all board members to sign a written agreement regarding their roles, responsibilities, and expectations? Yes -
CEO oversight
Has the board conducted a formal, written assessment of the chief executive within the past year ? Yes -
Ethics and transparency
Have the board and senior staff reviewed the conflict-of-interest policy and completed and signed disclosure statements in the past year? Yes -
Board composition
Does the board ensure an inclusive board member recruitment process that results in diversity of thought and leadership? Yes -
Board performance
Has the board conducted a formal, written self-assessment of its performance within the past three years? Yes