Consumer Credit Counseling Service of the Midwest dba Apprisen
8826 Santa Fe #110
Overland Park KS 66212
Web and Phone Contact
Telephone (913) 642-5393
Mission Statement
Helping people improve their financial well-being through counseling, community outreach, and financial education.
CEO/Executive Director Mr. Michael S. Kappas
Board Chair Mrs. Teresa Holland Rich
Board Chair Company Affiliation Yakima Valley College
History and Background
Year of Incorporation 1968
Former Names
Consumer Credit Counseling Service of Mid-America
Consumer Credit Counseling of the Midwest
Apprisen Financial Advocates
Financial Summary
Revenue Expense Area Graph

Comparing revenue to expenses shows how the organizations finances fluctuate over time.

Source: IRS Form 990

Net Gain/Loss:    in 
Note: When component data are not available, the graph displays the total Revenue and/or Expense values.
Mission Statement Helping people improve their financial well-being through counseling, community outreach, and financial education.
Background Statement
In 1964, Consumer Credit Counseling Service Mid-America was established  to provide financial solutions that promoted self-sufficient individuals, families, neighborhoods and communities.  In 2002, the agency merged with Consumer Credit Counseling of the Midwest (CCCS), based in Columbus, OH, in order to take advantage of the resulting operating efficiencies. CCCS of the Midwest was established in 1955 and maintains community counseling and education offices throughout the Greater Kansas City area of Missouri and Kansas, as well as in 10 other states.  It stands as one of the oldest and largest nonprofit providers of comprehensive money management counseling and financial education in the country. We are now accredited to do counseling in all 50 states. In 2012 we selected Apprisen to be our new national name.  We will continue to be known as Consumer Credit Counseling Service in our local communities. For almost 60 years, CCCS has helped people, predominantly those with low- to moderate- incomes, in all stages of their financial lives, master essential skills for successful money management, wise credit use, and asset building. Headquartered in Columbus, OH, our current structure is the result of the merger of 17 CCCS agencies.
Through Community Outreach Partners Program efforts, we link our counseling and financial education with personal finance issues identified through conversations with community organizations, employers, and businesses. CCCS provides an effective Debt Management Program, currently helping over 26,000 people make regular payments to creditors. As a HUD-approved housing counseling agency, CCCS offers delinquency, default, and reverse mortgage counseling. We are also approved by the Executive Office of the US Bankruptcy Trustees to provide the required bankruptcy counseling and education. A member of the National Foundation for Credit Counseling, we follow strict membership standards and were reaccredited in 2009 by the Council on Accreditation. We are members in good standing of the Better Business Bureaus in our communities.
Impact Statement

2015 Accomplishments:


  • Helped predominantly low to moderate income individuals and families improve their financial well-being by providing over 10,000 comprehensive counseling sessions.
  • Helped 2,250 families address housing-related issues by providing HUD-approved housing counseling sessions, the majority involving mortgage delinquency or foreclosure-related problems.
  • Improved the financial health of our community by providing over 700 educational presentations to 14,383 individuals.
  • Developed the Apprisen Financial Coaching Program to empower, motivate and support individuals to meet their long-term financial goals & partnered with MoneySmartKC to provide financial coaching via their innovative new website (
  • Celebrated our 60th anniversary!


2016 Goals:

  • Create and enhance community partnerships.
  • Strengthen the Apprisen Financial Coaching Program through marketing and fundraising initiatives.
  • Reach out to the millennial audience by developing innovative services that engage and educate.
  • Invest in internal capacity building and leadership development to ensure our sustainability and success.

Needs Statement
  1. Develop new avenues for reaching individuals in need of our services.
  2. Expand beyond traditional marketing channels to reach more people through the use of technology and social media.
  3. Continued enhancement of internal procedures to ensure we are operating most efficiently.
  4. Improve technology capabilities to better serve our clients as well as our creditor and community partners. 
  5. Diversify funding to stabilize shifting revenue streams.
Service Categories
Financial Counseling
Areas of Service
CEO/Executive Director/Board Chair Statement

Our agency continues to provide a service that thousands of American families need so desperately. Losing a job, living through a family emergency or losing your home can have a devastating impact on a family and the community. Our agency must continue its vital mission.

Today, our agency is still highly dependent on the generosity of others. The creditor community faces its own challenges and, unfortunately, their support of our services continues to decrease while their need to use us continues to increase. We are challenged by rising costs for technology, benefits for employees and sharp increases in operating costs. We want to continue to provide our counseling services without having to charge our clients anything greater than a nominal fee. I encourage you to visit us at to learn more. Your support is greatly appreciated by our staff and those we serve.
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.
Program Budget $681,870.00
Category Human Services, General/Other Financial Counseling
Population Served General/Unspecified, ,
Short-Term Success
  • 100% will increase their financial knowledge and gain access to a library of tools and resources. 
  • 100% of those counseled will jointly develop a personalized action plan to address their personal financial issues with their certified credit counselor. 
Long-Term Success Individuals and families will achieve increased financial stability by learning effective money management practices, affordable debt levels, and  savings strategies for short and long-term goals.
Program Success Monitored By
Apprisen utilizes our Integrated Case Management system to track client progress. In addition, we utilize a post-counseling survey through SurveyMonkey to get client feedback on their experience with Apprisen & intent to implement positive change in their financial lives. The results are reviewed by a staff committee and a report is made to Senior Management and the Board.
Examples of Program Success
  • 97% of individuals counseled would recommend the service to their friends or family. 
  • 89% intend to follow the suggestions in their action plan. 
  • 88% of individuals counseled indicate that their counselor was able to help them resolve their financial issues. 
Client comments:
  • "I was very appreciative of my counselors non-judgmental approach. He offered counseling as well as what I considered a pep talk. All of which was very positive. He never made me feel bad for our poor decisions in the past, he did however offer tips to help us change behaviors. This was a big relief to us and it makes us very optimistic about our future. "
  • "My counselor was compassionate and provided empathy as well as some very good advice, of which I am now taking!"
  • "My counselors style was extremely effective. She has helped me get on a crisis budget, track every expense every day and yesterday I started my debt management plan. She has truly changed my life dramatically for the better."
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.
Program Budget $69,990.00
Category Human Services, General/Other Financial Counseling
Population Served Other Named Groups, ,
Short-Term Success
Attendees increase their financial knowledge and gain tools/resources to continue learning & implement knowledge in their daily lives.
  • 97% indicate their intent to use the information in everyday life and prevent future financial problems. 
  • 68% indicate that as a result of the workshop, they plan to develop a spending plan with goals. 
  • 56% indicate that as a result of the workshop, they plan to check their credit report regularly. 
Long-Term Success Communities will increase in financially stability: fewer foreclosures, bankruptcies, and credit delinquencies along with increased asset levels.
Program Success Monitored By Apprisen uses a standardized workshop evaluation that also provides space for attendee comments. The survey seeks to obtain attendee perception of the value of the material and the changes in money management behavior that may occur. Results are reviewed by Apprisen's outreach department staff with an eye towards improvement and expansion of the curriculum as well as staff performance evaluation and identification of training needs.
Examples of Program Success
  • 97% of individuals participating found the information interesting & clearly presented. 
  • 96% of individuals participating found the materials relevant. 
  • 98% of individuals participating found the presenter professional.
Workshop attendee comments:
  • "Very interesting & professional workshop. Lots of suggestions to help me save money each month."
  • "This is one of the best financial workshops we have had! I understood the materials instead of feeling stupid & plan to take action on a recent fraud I experienced. Thank you!"
  • "Great presentation! I have tons of new tools that will help me achieve the goal of creating a budget & sticking to it!" 
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.
Program Budget $871,374.00
Category Human Services, General/Other Financial Counseling
Population Served General/Unspecified, ,
Short-Term Success All clients will leave with a better understanding of their financial situation and options for paying down debt. 85% of participants will complete the program successfully. 
Long-Term Success Community will increase financial stability as a result of reduced burden of debt by residents.
Program Success Monitored By
Apprisen utilizes our Integrated Case Management system to track participants status on the program. In addition, we utilize SurveyMonkey along with post-workshop evaluations to survey clients on their experience with Apprisen & intent to implement positive change in their financial lives. The results are reviewed by a staff committee and a report is made to Senior Management and the Board.
Examples of Program Success
In 2015, over 96% of clients in the Debt Management Program made their full monthly payment and 85% of all program closings completed the program successfully.
Client comments:
  • "I am over my head in credit card debt & thought I would have to file bankruptcy. I am so grateful for the Debt Management Program. I'm feeling hopeful for the first time in years!"
  • "In 2011, we started a program to pay off roughly $50K in credit card debt. We made our last payment a few days ago! I cannot even begin to tell you how amazing we feel. We are debt-free, have a sizable savings account, and good credit scores. Thank you so much for helping did it in a way that gave us hope and never made us feel judged." 
Description 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. 
Category Human Services, General/Other Financial Counseling
Population Served Adults, ,
Short-Term Success
  • Participants will better understand their financial situation and steps needed to effect change.
  • Participants create a monthly budget with assistance from their financial fitness coach. 
  • Participants identify financial objectives and goals. 
  • Participants learn how to access credit reports. 
Long-Term Success
  • Participants will show improvement in their Financial Stability Score. 
  • Participants will increase their credit score. 
  • Participants will exercise accountability for their financial health. 
  • Participants will increase monthly savings. 
Program Success Monitored By Success is measured based on changes in client behavior and in progress towards goals. Apprisen developed a Financial Stability Score assessment that will require each client to complete a self-assessment at the beginning and end of the coaching program. The questions measure their confidence level regarding their current financial situation, covering the basic areas of personal finance (savings, managing debt, and credit). The assessment results in a Financial Stability Score. In addition, we track clients credit scores at the beginning and end of the program. All information is tracked in our Integrated Case Management System. 
Examples of Program Success
  • 92% of individuals participating in the coaching program increased their financial stability score. 
  • 79% of individuals participating in the coaching program increased their savings. 
  • 77% of clients completed the program successfully. 
Executive Director/CEO
Executive Director Mr. Michael S. Kappas
Term Start Sept 1998
Experience Michael S. Kappas has served as President/CEO of Apprisen since September 1998, following an extensive career in the banking industry. He is a graduate of Purdue University and has an MBA from Xavier University. Mr. Kappas has a keen interest in repositioning the credit counseling industry to help the average American family achieve financial freedom. His goals are to establish long-term relationships that will help American's become financially independent. Mr. Kappas currently serves on several different boards. He is chair of Cooperative Processing Resource, a Texas-based cooperative which serves the credit counseling industry. He was appointed by former Ohio Governor Taft to be a board member for the Ohio Building Authority. He is a member of Huntington National Bank's advisory board for nonprofits and also serves on the Board of the Ohio Association of Non-Profit Agencies. He resides in the Columbus, OH area with his wife, Sharon, where he is an active member of his community.
Co-CEO/Executive Director
Term Start
Compensation Last Year
Senior Staff
Title Chief Operating Officer
Experience/Biography Johnny Cantrell is a senior vice president and the chief operating officer of CCCS. He has been with the agency since 1994, beginning as a financial counselor and working his way up to his current position. As COO, he is responsible for overseeing all aspects of our counseling operations, including new product development, site analysis,and portfolio performance. Prior to joining CCCS, Mr. Cantrell was in the Air Force.
Title Chief Financial Officer
Experience/Biography James Zeier is a senior vice president and the chief financial officer of CCCS. He has been with the organization since July 1991 and is responsible for overseeing all accounting activity for both agency and client funds, facilities management, strategic planning, and disaster recovery. Mr. Zeier's experience with CCCS also extends beyond his tenure with the organization, as he served as an outside auditor to CCCS for eight years prior to joining the CCCS staff. Mr. Zeier is a CPA and has a master's degree in taxation.
Paid Full-Time Staff 72
Paid Part-Time Staff 5
Volunteers 0
Paid Contractors 2
Retention Rate 81%
Formal Evaluations
CEO Formal Evaluation Yes
CEO/Executive Formal Evaluation Frequency Annually
Senior Management Formal Evaluation Yes
Senior Management Formal Evaluation Frequency Annually
Non-Management Formal Evaluation Yes
Non-Management Formal Evaluation Frequency Annually
Plans & Policies
Organization Has a Fundraising Plan No
Organization Has a Strategic Plan Yes
Management Succession Plan Yes
Organization Policy and Procedures Yes
Nondiscrimination Policy Yes
Whistleblower Policy Yes
Document Destruction Policy Yes
Apprisen is actively involved in many financial literacy initiatives throughout the city.  Jana Castanon is the current director of Kansas City Saves which is a part of a national savings movement, America Saves.  The mission of this organization is to increase the rate and amount of savings in order to build a sound financial future. Jana is also a board member of Next Step KC which services the low to mod population with assistance in tax preparation, small dollar loans and financial education.   Apprisen is also a founding sponsor of Money Smart Month  Together with the Federal Reserve Bank, FDIC, United Way and the Mexican Consulate, we give Kansas City residents the opportunity to attend over 200 financial education events throughout the city during this month.
Better Business Bureau Wise Giving Alliance - Organization2008
National Foundation for Credit Counseling2008
External Assessment and Accreditations
Council on Accreditation (COA) [for Children and Family Services] - Accreditation2007
NFCC Client of the Year AwardNational Foundation for Credit Counseling2006
NFCC Housing Client of the YearNational Foundation for Credit Counciling2012
Government Licenses
Is your organization licensed by the government? Yes
CEO Comments In addition to the provisions listed above, Apprisen also has coverage for:
  • Blanket Personal Property
  • Employee Dishonesty
  • Fiduciary Liability
Apprisen is licensed by the state of Kansas and Missouri to provide Debt Management Programs. Apprisen is also HUD approved to provide housing counseling and approved by the Executive Office of the US Trustees to provide pre-filing bankruptcy counseling and pre-discharge bankruptcy education.
Board Chair
Board Chair Mrs. Teresa Holland Rich
Company Affiliation Yakima Valley College
Term Mar 2015 to Mar 2017
Board Members
Mr. Thomas W. Baker Retired-Baker Communications
Mr. Richard C. Belter Thirty-One Gifts LLC
Ms. Moreen Bailey Frater WEWS NewsChannel 5
Mr. Frederick H. Heyse Retired-Proctor & Gamble
Mr Geoffrey D Hill Regions
Mr. Jay E. Michael Attorney at Law
Mr. Michael A. Osborne Near North Development Company
Ms. Teresa Holland Rich MPAYakima Valley Community College
Mr. Steve Weiker Relay Health
Mr. Phillip L. Youngs Retired-UMB Bank
Board Demographics - Ethnicity
African American/Black 1
Asian American/Pacific Islander 1
Caucasian 7
Hispanic/Latino 1
Native American/American Indian 0
Other 0 0
Board Demographics - Gender
Male 8
Female 2
Unspecified 0
Board Term Lengths 2
Board Term Limits 0
Board Meeting Attendance % 81%
Written Board Selection Criteria? Yes
Written Conflict of Interest Policy? Yes
Percentage Making Monetary Contributions 0%
Percentage Making In-Kind Contributions 0%
Constituency Includes Client Representation No
Number of Full Board Meetings Annually 4
Standing Committees
Fiscal Year Start Jan 01, 2016
Fiscal Year End Dec 31, 2016
Projected Revenue $5,894,362
Projected Expenses $9,984,900
Endowment Value $40,307
Audit Documents
Foundation Comments
  • FY 2015, 2014, 2013: Financial data reported using IRS Form 990.  
  • Foundation/corporate revenue line item may include contributions from individuals. 
Detailed Financials
Revenue SourcesHelpThe financial analysis involves a comparison of the IRS Form 990 and the audit report (when available) and revenue sources may not sum to total based on reconciliation differences. Revenue from foundations and corporations may include individual contributions when not itemized separately.
Fiscal Year201520142013
Foundation and
Corporation Contributions
Government Contributions$358,786$686,401$912,763
Individual Contributions------
Investment Income, Net of Losses$380,988$513,793$406,042
Membership Dues$0$0$0
Special Events$0$0$0
Revenue In-Kind$0$0$0
Expense Allocation
Fiscal Year201520142013
Program Expense$8,437,718$9,931,931$11,318,479
Administration Expense$1,594,214$1,908,325$2,157,536
Fundraising Expense$60,216$0$0
Payments to Affiliates------
Total Revenue/Total Expenses0.660.791.00
Program Expense/Total Expenses84%84%84%
Fundraising Expense/Contributed Revenue2%0%0%
Assets and Liabilities
Fiscal Year201520142013
Total Assets$11,657,760$16,462,420$20,755,630
Current Assets$1,791,645$2,586,936$4,238,096
Long-Term Liabilities$1,438,200$2,071,290$2,577,734
Current Liabilities$1,791,325$2,208,763$3,273,859
Total Net Assets$8,428,235$12,182,367$14,904,037
Short-Term Solvency
Fiscal Year201520142013
Current Ratio: Current Assets/Current Liabilities1.001.171.29
Long-Term Solvency
Fiscal Year201520142013
Long-Term Liabilities/Total Assets12%13%12%
Top Funding Sources
Fiscal Year201520142013
Top Funding Source & Dollar Amount --Creditor Fair Share Contributions $2,769,540 --
Second Highest Funding Source & Dollar Amount --Client Service Fees $2,457,509 --
Third Highest Funding Source & Dollar Amount --Ohio Housing Finance Authority $302,150 --
Capital Campaign
Currently in a Capital Campaign? No
Capital Campaign Anticipated in Next 5 Years No
Organization Name Consumer Credit Counseling Service of the Midwest dba Apprisen
Address 8826 Santa Fe #110
Overland Park, KS 66212
Primary Phone (913) 642-5393
Contact Email
CEO/Executive Director Mr. Michael S. Kappas
Board Chair Mrs. Teresa Holland Rich
Board Chair Company Affiliation Yakima Valley College
Year of Incorporation 1968
Former Names
Consumer Credit Counseling Service of Mid-America
Consumer Credit Counseling of the Midwest
Apprisen Financial Advocates