Those seeking confidential answers to financial questions such as how to prepare a budget or how to deal with overwhelming credit card debt can get the answers they need by making one phone call to LifeSpan’s Consumer Credit Counseling Services (CCCS) at 888.597.2751. On the other end of the line, they’ll find a warm, attentive person willing to listen and, more importantly, ready to offer solutions. At LifeSpan all credit counselors are trained and certified and have the knowledge, experience and resources needed to handle questions, suggest solutions and create a strategy to solve the many financial challenges common in today’s society. Adding to callers’ confidence is the knowledge that LifeSpan is a member agency of the National Foundation for Credit Counseling, meets all 20 charitable accountability standards of the Better Business Bureau Wise Giving accreditation, and is approved by the U.S. Departments of Justice and Housing and Urban Development (HUD).


From obtaining and understanding credit reports to the more complex issues of bankruptcy, LifeSpan counselors are prepared and trained to help. LifeSpan offers a full range of programs for participants who may need just one or several services.

Budget Guidance: for those who need assistance creating a spending plan to keep their expenses in line with their income. Counselors assess their situation, identify potential problems and suggest action steps.

Credit Counseling: for those with excessive debt and facing possible bankruptcy. Counselors work with their creditors to design an acceptable repayment plan which may include waiving late fees or eliminating or reducing interest. Participants deposit funds into a trust account at LifeSpan which is then disbursed monthly to their creditors until their situation is resolved.

Credit Report Review: for those who need assistance obtaining and understanding credit reports which are a vital part of everyone’s financial health and future. Counselors obtain a report, review it, provide a detailed explanation, and offer action steps to correct errors and improve credit scores.

Money Management Education: for groups, schools and businesses throughout Butler and Warren Counties. Financial literacy courses are based on six hours of instruction but can be tailored to an organization’s specific needs. Participants receive a certificate of completion recognized by many banks and lending agencies when clients apply for accounts or loans. For online courses please go to www.myvlp.com/lifespanohio.

Homeownership Education and Counseling: for families seeking to purchase their first home or those facing foreclosure. LifeSpan’s counselors are HUD approved to offer pre-occupancy, post-purchase, mortgage default, and rent delinquency housing counseling. Homebuyer education seminars are also available.

Bankruptcy Pre-filing Counseling: for individuals weighing the decision whether to file for bankruptcy. LifeSpan has approval from the U.S. Department of Justice to provide budget and credit counseling services in its Northern and Southern Ohio regions. Counselors review the basics and consequences of Chapter 7 and Chapter 13 bankruptcies and determine whether other alternatives are available. Counseling is available in person or by telephone. For online courses please go to www.myvlp.com/lifespanohio.

Bankruptcy Pre-discharge Counseling: for those who have filed for bankruptcy in the Northern and Southern Ohio regions. LifeSpan offers this financial management course with approval from the U.S. Department of Justice. It is provided on-line or in-person to assist clients as they assess their situation and strive for future financial stability. For online courses please go to www.myvlp.com/lifespanohio.

Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services.