Debt Management

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Todd Ossenfort

Todd Ossenfort has been the Chief Operating Officer (COO) of Pioneer Credit Counseling since 1998. Established as a nonprofit entity, Black Hills Children’s Ranch Inc., D/B/A Pioneer Credit Counseling is dedicated to helping individuals and families eliminate consumer debt.


Todd Ossenfort views his responsibilities at Pioneer Credit Counseling as being vital in creating the right programs, products, and services to serve his clients. Todd Ossenfort joined Pioneer Credit Counseling in 1998. Todd Ossenfort has been responsible for the advocacy of consumers’ rights and the development of relationships with creditors to achieve the most successful outcomes for our clients. Like Laca Ossenfort, Todd believes that the programs that Pioneer Credit Counseling offers its clients can change the better the client’s financial situation.


If you need help managing your debt, our dedicated credit counselors are available to help. Todd Ossenfort has been widely published as “The Credit Guy”. Look for his new website with valuable information and tools to help you manage your debt and improve your credit soon.


Pioneer Credit Counseling is a trade name of Black Hills Children’s Ranch, Inc., which is a bonded non-profit 501(c)(3) agency with its corporate offices in Rapid City, SD.