Consumer Credit Counseling Services

read moreConsumer Credit Counseling Service of Buffalo, Inc. is designated as a 501(c)3 organization by the Internal Revenue Service. This designation means that we have a voluntary Board of Directors and that there are no shareholders. Therefore, all earnings are used to provide and maintain the delivery of our program services to you, after operational expenses. Please Note: You are not required to have a Paypal account in order to donate to us. Know that a tax-deductible donation to our Agency can help make a difference by supporting our financial literacy programs for local area high school and college students.

read moreStop the harassing calls, lower your monthly payments and get empowered-pay off your debts in 3-5 years. Learn how to avoid foreclosure and bankruptcy. We're here to help and with locations across WNY, chances are-we're in your neighborhood. The National Mortgage Settlement is the largest consumer financial protection settlement in United States history, and settles certain state and federal investigations relating to mortgage servicing abuses, including abuses in the bankruptcy process. The settlement will provide as much as $25 billion in relief to distressed borrowers and direct payments to states and the federal government.

read moreLearn more about your finances, your credit report, and protecting your identity. Topics include daily expense management, retirement, applying for loans, credit cards, and insurances.

read moreHow much interest will you pay, and how much will you forego in interest earnings by ONLY making minimum payments on your credit card(s)?

read moreCCCS offers a wide variety of free or low cost workshops throughout the year at various community organizations and companies. Financial topics include better managing your finances, understanding your credit, preventing and identifying identity theft, managing student loan repayment, among other topics. All classes are led by experienced financial experts who are nationally certified. The topics covered will include, but will not be limited to: budgeting and calculating fixed, flexible and variable expenses; financial tools, i.e. comparison shopping and maintaining accurate financial records; how your credit score affects you, contracts and choosing the right insurance, consumer law protection and warning signs of financial trouble.

read moreStart protecting yourself by adopting a "need to know" approach to your personal data. If someone you don't know calls you on the telephone and offers you the chance to receive a "major" credit card, a prize, or other valuable item, but asks you for personal data -- ask them to send you a written application form. There a surprising number of places where a person's social security number is their identity number. Identity Theft encompasses all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain.

read moreAt CCCS of Buffalo, our Delinquency Housing Counseling is Free. We are part of the New York State Attorney General's Homeowner Protection Program (HOPP), which funds a network of more than 85 trusted partners dedicated to providing homeowners with free, qualified mortgage assistance relief services across New York. Whether you are behind on your mortgage payments or feel you may become behind in the near future, a Certified Financial Counselor can help you explore available options that may make your mortgage more affordable for you.