Business Details
50+ Years
experience
Your Trusted Partner for Financial Counseling Solutions
Consumer Credit Counseling Services has been empowering individuals through financial education and counseling since 1965. Originally established as Consumer Credit Counseling Service of Buffalo, we evolved into a nonprofit agency dedicated to addressing complex financial challenges. Our certified counselors specialize in debt management, credit education, housing solutions, and student loan guidance, serving communities across 21 states. With partnerships spanning employers, financial institutions, and educational organizations, we deliver personalized financial wellness programs grounded in integrity and innovation.Our HUD-certified housing counselors and NFCC-affiliated credit experts have helped thousands achieve debt freedom through tailored plans that reduce monthly payments and negotiate lower interest rates. Backed by COA accreditation and a 990-form transparent financial structure, we maintain strict ethical standards while offering free educational seminars and IRS-certified bankruptcy counseling services.
Services
Debt Management
Credit Counseling
Housing Counseling
Student Loan Assistance
Bankruptcy Education
Financial Coaching
Credit Report Analysis
Mortgage Counseling
Budget Planning
Tax Preparation
Details
- Year established: 1965
Highlights and features
- Certified financial counselors with 50+ years collective experience
- Personalized debt management plans with negotiated lower interest rates
- Free student loan counseling services available
- HUD-certified housing counseling for mortgage and rental issues
- Transparent fee structure with state-regulated monthly charges
Associations and certifications
- National Foundation for Credit Counseling
- Council on Accreditation of Services for Families & Children (COA)
- HUD-certified counseling agency
- Better Business Bureau A+ member
What people say
Knowledgeable and helpful staff
Life-changing experience
Debt-free journey
Judgment-free environment
Seamless process
Services
Debt Management Plan
Our Debt Management Plan consolidates unsecured debts into one monthly payment with negotiated lower interest rates. Certified counselors work with creditors to stop fees and reduce payments by up to 50%. Clients typically complete the program in 3-5 years while maintaining credit scores.
Credit Report Review
Comprehensive credit report analysis includes all three bureau reports and FICO score evaluation. Counselors explain credit factors, dispute errors, and create improvement strategies. Available as standard ($35) or express ($20) review options.
Student Loan Counseling
Free student loan counseling provides personalized repayment plans, consolidation options, and deferment strategies. Counselors help navigate income-driven plans and communicate with loan servicers to create sustainable debt solutions.
Housing Counseling
HUD-certified housing counseling includes delinquency solutions, homebuyer education, and rental assistance. Free mortgage delinquency services through New York's HOPP program help prevent foreclosures with loan modification options.
Bankruptcy Counseling
EOUST-approved bankruptcy counseling provides required pre-file and pre-discharge education. Counselors explain bankruptcy implications, create financial plans, and issue court-required certificates for $50 per session.
People
Lisa Robertson
Manager of Counseling Services
Lisa has over 15 years of experience in financial counseling, specializing in student loan solutions and credit report analysis. She has helped hundreds of clients achieve debt freedom through personalized financial plans.
Stacey Waugh
Financial Counselor
Stacey specializes in debt management plans and budget coaching, with a focus on creating sustainable financial habits. She has successfully guided clients through complex debt situations for over a decade.
Jared Buckner
Financial Counselor
Jared assists clients with credit counseling and debt consolidation strategies. His expertise in creating customized financial plans has helped numerous individuals achieve long-term financial stability.
Noelle Carter
President & CEO
As CEO since 2010, Noelle leads Consumer Credit Counseling Services's strategic direction with 25+ years in financial services leadership. She oversees all counseling operations and community partnerships across 21 states.
Scott Laughlin
Executive Vice President
Scott manages financial operations and technology integration. With 20 years in credit counseling leadership, he ensures service quality and compliance across all Consumer Credit Counseling Services programs.
Questions
What debt types qualify for a Debt Management Plan?
Credit cards, personal loans, medical bills, and collection accounts qualify for our Debt Management Plans.
Can I get a mortgage while on a DMP?
Yes, you can obtain a mortgage while on our Debt Management Plan if you meet lender requirements.
Do you charge fees for counseling services?
Most services have nominal fees regulated by state law, with student loan counseling offered free of charge.
Are your counselors certified professionals?
All counselors are certified through recognized industry programs and maintain ongoing professional development.
How long does debt management typically take?
Most clients complete our Debt Management Plan in 3-5 years with consistent monthly payments.
Do you help with government student loans?
Yes, we provide free counseling for all student loan types including federal and private loan options.
