For forty years Consumer Protection Association
has been the agency of choice for over two million low to Middle-Income
individuals and families.
CPA helps it’s client base by:
· Taking a holistic approach to financial literacy
· Partnering with major financial institutions
· Building strong relationships with providers of basic
· Offering life skills education and training, outreach,
· Serving as a mediator between individuals, families and
Pre-discharge Bankruptcy Education Course
Consumer Protection Association is approved to issue certificates
evidencing completion of a personal financial management instructional
course in compliance with the bankruptcy code. Approval does not
endorse or assure the quality of a provider’s services.
This program is designed for individuals who currently do not
have a checking account with a financial institution. The Get
Checking Program will give individuals the information they need
to choose a financial institution and manage a checking account.
With a checking account individuals will have the tools to manage
their finances efficiently, conveniently, and reach their financial
This program helps participants to improve money and credit management
skills. Strategies used are classroom teaching and one-on-one
counseling to help participants improve their financial management
skills; acquire budgeting skills; establishing or re-establishing
credit; and planning a household budget for the present and the
Consumer Protection Association responds to consumer complaints,
both in person and through letters, follows up allegations of
reported faulty merchandise, and protects the consumers from alleged
consumer fraud perpetrated by goods or service providers.
Credit Report Review:
In this program, we help participants obtain copies of their credit
report from all three credit bureaus. We also help them understand
their credit report.
Information and Referrals:
CPA receives inquiries by phone regarding a variety of consumer
issues. CPA refers clients to the Legal Aid Society and other
"volunteer" attorneys when legal assistance is deemed
necessary to resolve a particular problem, e.g. where bankruptcy,
Chapter 13 or other legal procedures are indicated.
In this program, we provide representative payee services to adults
who are unable to protect their own interests. A budget plan is
agreed upon by the counselor, the client's social worker, and
the client, (when possible), to make sure that bills are paid
on time after allocating weekly personal expenses to take care
of the client's needs, and providing the client the possible necessary
protection from abuse or neglect from others.
Emergency Assistance Fund:
CPA provides emergency assistance to help qualified applicants
to access dollars through the Prevention, Retention, & Contingency
Assistance fund from the Ohio Department of Jobs and Family Services.
This program educates the participants about home mortgage and
how to prevent foreclosure or eviction. Consumer Protection Association
is certified by the United States Department of Housing and Urban
Development to handle the resolution of mortgage payment defaults.
We also provide pre-purchase counseling and information about
rental properties and understanding landlord-tenant relationships.
We provide services that will allow consumers to negotiate reduced
or graduated payment plans to area utility service providers such
as Dominion East Ohio Gas Co., First Energy, Cleveland Public
Power, and Cleveland Division of Water.
Consumer Protection Association is committed to
improving your quality of life by providing a wealth of information
at your disposal. Please read the Terms
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