Business Details
Your Trusted Partner for Credit Counseling Solutions
CCCS Of Rochester has dedicated over five decades to empowering families to restore their financial health. As a trusted nonprofit organization, we specialize in debt management programs, credit counseling, housing counseling, and bankruptcy guidance. Our certified counselors work closely with clients to create personalized plans that reduce financial stress and build long-term stability. By negotiating lower interest rates and consolidating payments, we help individuals regain control of their finances without judgment. Our commitment to community-focused solutions has earned us recognition as the only locally-based credit counseling agency in the Rochester area.With a focus on transparency and education, we equip clients with tools to improve credit scores, manage budgets, and achieve debt-free living. Our success stories highlight transformative outcomes, from eliminating $20,000 in credit card debt to enabling first-time home purchases. We pride ourselves on accessible, compassionate service through in-person, phone, and virtual platforms.
Services
Debt Management Program
Credit Counseling
Housing Counseling
Bankruptcy Counseling
Student Loan Counseling
Highlights and features
- Over 50 years of experience in financial counseling
- Certified counselors provide personalized debt management plans
- Nonprofit mission focused on community financial health
- Proven success in reducing interest rates and consolidating debt
- Comprehensive services from credit counseling to housing solutions
Associations and certifications
- NYS Department of Financial Services
- 501(c)(3) Nonprofit Organization
What people say
Amazing customer service
Turned our lives around
Interest rates as low as 5.9%
Creditors stopped calling
Helped buy a car
Services
Debt Management Program
Our Debt Management Program consolidates unsecured debts into one affordable monthly payment. We negotiate with creditors to lower interest rates and eliminate late fees, helping clients pay off debt 3-5 years. This service suits individuals overwhelmed by credit card balances but committed to becoming debt-free through structured repayment.
Credit Counseling
Certified credit counselors conduct comprehensive financial assessments to create personalized budgets. We analyze income, expenses, and debt to develop sustainable financial plans. This service includes educational resources to improve money management skills and establish long-term financial stability through one-on-one guidance.
Housing Counseling
Our HUD-certified housing counselors assist with foreclosure prevention, reverse mortgages, and first-time homebuyer education. We provide strategies to manage mortgage payments, connect clients with local resources, and offer pre-purchase counseling to prepare for homeownership with realistic budgeting and loan options.
Bankruptcy Counseling
Approved pre-filing and post-filing bankruptcy counseling meets federal requirements for Chapter 7/13 filers. Our low-cost sessions explain alternatives to bankruptcy, credit rebuilding strategies, and financial management skills. Counselors provide certificates needed for bankruptcy discharge while exploring debt relief options.
Student Loan Counseling
Certified student loan counselors analyze repayment options including income-driven plans and forgiveness programs. We help borrowers understand loan terms, negotiate payment arrangements, and prepare documentation for federal or private loan modifications to prevent default and reduce financial stress.
Questions
How does a debt management program affect credit scores?
Initial account closures may cause slight declines, but consistent payments improve scores over time through reduced balances and timely reporting.
Can I keep using credit cards while on the program?
Clients typically close accounts upon enrollment but receive guidance to rebuild credit responsibly during the program.
What debts qualify for your management program?
Most unsecured debts like credit cards, medical bills, and personal loans qualify. Secured debts like mortgages require specialized housing counseling.
How much does credit counseling cost?
Most services are free except bankruptcy counseling at $50 per person. No upfront fees apply for debt management enrollment.
Can you help if I'm already behind on payments?
Yes. We specialize in assisting clients with past-due accounts by negotiating payment plans and late fee waivers with creditors.
What documentation is needed to start counseling?
Bring recent bills, income statements, and expense records. Virtual counseling options allow secure document sharing for remote assistance.