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Info / About CCCS

Consumer Credit Counseling Service of the Black Hills (CCCS/BH) was established as a non-profit agency in Rapid City, South Dakota in 1974 to help people in our community and the surrounding area overcome their financial obstacles, achieve their financial goals, and improve the quality of their lives. We have provided immediate debt relief to consumers for more than 30 years. We serve all of Western South Dakota.

We are an accredited agency and uphold a rigorous code of ethics and maintain high standards requiring counselor certification, fiscal integrity, and volunteer Board governance. Our affiliations include:

  • Council on Accreditation
  • National Foundation for Credit Counseling
  • HUD –approved Housing Counseling Agency
  • South Dakota H.E.R.O (Homeownership Education Resource Organization) Provider
  • United Way agency in Rapid City, Sturgis, Northern Hills, and Pierre
  • Rapid City Chamber of Commerce
  • Pierre Chamber of Commerce
  • Better Business Bureau
  • South Dakota Retailers

We are committed to educating the consumer about money and credit issues and have been in the forefront in establishing  national standardized credit and financial education programs. We are the recipient of five national awards and six regional awards. We provide four different financial education classes for the community.

We are the recipient of five national awards and six regional awards.

We have Certified Consumer Credit Counselors who work with you in developing a personalized Financial Action Plan that results in positive and lasting solutions and helps you reach your goals. If you use our Debt Management Program (DMP), our staff will contact your creditors, negotiate lower monthly payments and reduced or waived finance charges, and consolidate your bills into one easy monthly payment. CCCS also has Certified Housing Counselors, Certified Foreclosure Intervention & Default Counselors, a Certified HECM Counselor, and a Certified Educator.

All appointments are confidential whether in person, by phone, or on-line.


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