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        <title>Consumer Credit Counseling Service of Rochester - News Headlines</title>
        <link>http://www.cccsofrochester.org</link>
        <description>CCCS of Rochester, NY is a leading provider of credit counseling, financial education and debt repayment plans. We are a non-profit 501(3)-community service organization that is accredited by the Council on Accreditation for Children and Family Services. </description>
        <language>en-us</language>
        <item>
            <title><![CDATA[First Home Club]]></title>
            <link>http://www.cccsofrochester.org/news/85/First_Home_Club/</link>
            <description><![CDATA[Owning your own home is one life&rsquo;s major milestones for most people. Unfortunately the upfront costs of purchasing your first home can deter many people from ever reaching th]]></description>
            <pubDate>Tue, 13 Dec 2011 16:54:05 EST</pubDate>
            <guid>http://www.cccsofrochester.org/news/85/</guid>
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        <item>
            <title><![CDATA[RethinkingDebt.org Approved under Homeownership Education Guidelines]]></title>
            <link>http://www.cccsofrochester.org/news/80/RethinkingDebt.org_Approved_under_Homeownership_Education_Guidelines/</link>
            <description><![CDATA[    We were approved as an official adopter of The National Industry Standards for Homeownership Education and Counseling in September 2010 (http://www.homeownershipstandards.com).]]></description>
            <pubDate>Tue, 21 Dec 2010 15:51:32 EST</pubDate>
            <guid>http://www.cccsofrochester.org/news/80/</guid>
        </item>
        <item>
            <title><![CDATA[RethinkingDebt Holiday Spending Quiz]]></title>
            <link>http://www.cccsofrochester.org/news/79/RethinkingDebt_Holiday_Spending_Quiz/</link>
            <description><![CDATA[    HOLIDAY SPENDING QUIZ HELPS CONSUMERS DETERMINE   IF THEY SHOULD BE SHOPPING THIS HOLIDAY SEASON  &nbsp;  Rochester, NY - Almost one in every 10 Americans is currently unemploy]]></description>
            <pubDate>Tue, 14 Dec 2010 14:35:48 EST</pubDate>
            <guid>http://www.cccsofrochester.org/news/79/</guid>
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            <title><![CDATA[Tips on Preventing ID Theft during the Holidays]]></title>
            <link>http://www.cccsofrochester.org/news/78/Tips_on_Preventing_ID_Theft_during_the_Holidays/</link>
            <description><![CDATA[    RethinkingDebt.org PRESS RELEASE&nbsp;   For Immediate Release   December 9, 2010  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nb]]></description>
            <pubDate>Thu, 09 Dec 2010 14:10:28 EST</pubDate>
            <guid>http://www.cccsofrochester.org/news/78/</guid>
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            <title><![CDATA[Judge John Ninfo Shares his Expertise]]></title>
            <link>http://www.cccsofrochester.org/news/77/Judge_John_Ninfo_Shares_his_Expertise/</link>
            <description><![CDATA[Bankruptcy judge John Ninfo has seen countless bankruptcy cases presented before him - more than he would like to see. Now, he is sharing some of his professional insight in an eff]]></description>
            <pubDate>Tue, 30 Nov 2010 15:43:16 EST</pubDate>
            <guid>http://www.cccsofrochester.org/news/77/</guid>
        </item>
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            <title><![CDATA[Ask the Right Questions about Banks and Cards]]></title>
            <link>http://www.cccsofrochester.org/news/76/Ask_the_Right_Questions_about_Banks_and_Cards/</link>
            <description><![CDATA[Your teachers got it right - the best way to learn is to ask questions. But what questions should you ask about banks and credit cards? The Center for Responsible Lending (CRL) pub]]></description>
            <pubDate>Tue, 23 Nov 2010 09:46:55 EST</pubDate>
            <guid>http://www.cccsofrochester.org/news/76/</guid>
        </item>
        <item>
            <title><![CDATA[Five Things NOT to do at the Mall this Holiday Season]]></title>
            <link>http://www.cccsofrochester.org/news/72/Five_Things_NOT_to_do_at_the_Mall_this_Holiday_Season/</link>
            <description><![CDATA[    RethinkingDebt.org &ndash; PRESS RELEASE&nbsp;   &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&]]></description>
            <pubDate>Mon, 08 Nov 2010 16:08:41 EST</pubDate>
            <guid>http://www.cccsofrochester.org/news/72/</guid>
        </item>
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            <title><![CDATA[Protect Your Identity Day = Huge Success!]]></title>
            <link>http://www.cccsofrochester.org/news/71/Protect_Your_Identity_Day_%3D_Huge_Success%21/</link>
            <description><![CDATA[Protect Your Identity Day this past month was a huge success! A big thank you goes out to Tops for hosting and the Better Business Bureau for putting everything together.All togeth]]></description>
            <pubDate>Thu, 04 Nov 2010 14:55:59 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/71/</guid>
        </item>
        <item>
            <title><![CDATA[Debt Settlement Companies No Longer Allowed to Charge Up-Front Fees]]></title>
            <link>http://www.cccsofrochester.org/news/70/Debt_Settlement_Companies_No_Longer_Allowed_to_Charge_Up-Front_Fees/</link>
            <description><![CDATA[The Federal Trade Commission's press release below outlines the changes that are being enacted starting next week regarding Debt Settlement Companies and their deceptive practices ]]></description>
            <pubDate>Wed, 20 Oct 2010 14:26:57 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/70/</guid>
        </item>
        <item>
            <title><![CDATA[CCCS and the BBB present: Protect Your Identity!]]></title>
            <link>http://www.cccsofrochester.org/news/68/CCCS_and_the_BBB_present%3A_Protect_Your_Identity%21/</link>
            <description><![CDATA[Come on down to Protect Your Identity Day - Saturday, October 23, 10a - 2p - Free document shredding, information on identity protection, plus prizes and giveaways! See the flyer b]]></description>
            <pubDate>Thu, 30 Sep 2010 10:43:40 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/68/</guid>
        </item>
        <item>
            <title><![CDATA[A Thank-You From A Recent Client]]></title>
            <link>http://www.cccsofrochester.org/news/67/A_Thank-You_From_A_Recent_Client/</link>
            <description><![CDATA[We would like to take this opportunity to publish this letter we received from a client who just recently successfully completed our Debt Management Program:&nbsp;        I wanted ]]></description>
            <pubDate>Mon, 27 Sep 2010 16:04:12 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/67/</guid>
        </item>
        <item>
            <title><![CDATA[CCCS Rochester Highlighted in National NFCC Conference Call]]></title>
            <link>http://www.cccsofrochester.org/news/66/CCCS_Rochester_Highlighted_in_National_NFCC_Conference_Call/</link>
            <description><![CDATA[The NFCC will be holding a national conference call to illustrate some beneficial programs being held for community development. Consumer Credit Counseling Service of Rochester, NY]]></description>
            <pubDate>Tue, 07 Sep 2010 14:20:08 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/66/</guid>
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        <item>
            <title><![CDATA[The Association of Settlement Companies Backs FTC Debt Settlement Regulations]]></title>
            <link>http://www.cccsofrochester.org/news/65/The_Association_of_Settlement_Companies_Backs_FTC_Debt_Settlement_Regulations/</link>
            <description><![CDATA[    This article details how The Association of Settlement Companies is backing the move by the Federal Trade Commission to impose new rules governing debt settlement practices. Th]]></description>
            <pubDate>Tue, 31 Aug 2010 18:41:52 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/65/</guid>
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            <title><![CDATA[CCCS Launches New Electronic Signature Document Capabilities]]></title>
            <link>http://www.cccsofrochester.org/news/64/CCCS_Launches_New_Electronic_Signature_Document_Capabilities/</link>
            <description><![CDATA[Read the article below to learn more about our efforts to expand client satisfaction and ease with our new partner site eOriginal SmartSign:Non-Profit Credit Counseling Agency uses]]></description>
            <pubDate>Thu, 26 Aug 2010 10:46:50 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/64/</guid>
        </item>
        <item>
            <title><![CDATA[CARD Act rules governing penalty fees went into effect yesterday]]></title>
            <link>http://www.cccsofrochester.org/news/63/CARD_Act_rules_governing_penalty_fees_went_into_effect_yesterday/</link>
            <description><![CDATA[    The below article from cnn.com outlines some new restrictions placed on credit cards by the CARD Act, which went into effect yesterday. Read more below:  WASHINGTON (CNN) -- Ne]]></description>
            <pubDate>Mon, 23 Aug 2010 12:50:57 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/63/</guid>
        </item>
        <item>
            <title><![CDATA[How Debt Buyers Abuse the Legal System to Prey on Lower-Income New Yorkers]]></title>
            <link>http://www.cccsofrochester.org/news/62/How_Debt_Buyers_Abuse_the_Legal_System_to_Prey_on_Lower-Income_New_Yorkers/</link>
            <description><![CDATA[If you have the time, you might find the attached article interesting. It is a very detailed report on the mechanisms debt buyers often use to prey upon lower-income New York resid]]></description>
            <pubDate>Thu, 19 Aug 2010 10:44:51 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/62/</guid>
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            <title><![CDATA[CARD Act Provides Additional Consumer Protections]]></title>
            <link>http://www.cccsofrochester.org/news/61/CARD_Act_Provides_Additional_Consumer_Protections/</link>
            <description><![CDATA[Interested to understand how the new CARD Act will directly affect you? Here is a breakdown of the changes being made:    NEW CARD ACT PROVISIONS PROVIDE ADDITIONAL PROTECTIONS FOR]]></description>
            <pubDate>Mon, 16 Aug 2010 09:52:48 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/61/</guid>
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            <title><![CDATA[NFCC has Two National Leaders Nominated Among the Top 10 Women in Business]]></title>
            <link>http://www.cccsofrochester.org/news/60/NFCC_has_Two_National_Leaders_Nominated_Among_the_Top_10_Women_in_Business/</link>
            <description><![CDATA[    This NFCC Press release highlights two of its national leaders, president and CEO Susan C. Keating and Board Member Jean Chatzky, who have been included among the top 10 women ]]></description>
            <pubDate>Mon, 02 Aug 2010 12:38:44 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/60/</guid>
        </item>
        <item>
            <title><![CDATA[Statute of Limitations on Debt]]></title>
            <link>http://www.cccsofrochester.org/news/59/Statute_of_Limitations_on_Debt/</link>
            <description><![CDATA[How long can a debtor pursue you for unpaid debt?]]></description>
            <pubDate>Tue, 27 Jul 2010 10:16:14 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/59/</guid>
        </item>
        <item>
            <title><![CDATA[New Financial Bill Signed Into Law]]></title>
            <link>http://www.cccsofrochester.org/news/58/New_Financial_Bill_Signed_Into_Law/</link>
            <description><![CDATA[Includes the Consumer Protection Bureau]]></description>
            <pubDate>Thu, 22 Jul 2010 16:54:08 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/58/</guid>
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            <title><![CDATA[NFCC Video - Watch Out for Debt Settlement Companies]]></title>
            <link>http://www.cccsofrochester.org/news/57/NFCC_Video_-_Watch_Out_for_Debt_Settlement_Companies/</link>
            <description><![CDATA[Always check for a not-for-profit company first!]]></description>
            <pubDate>Wed, 14 Jul 2010 11:07:11 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/57/</guid>
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            <title><![CDATA[Good Debt vs. Bad Debt]]></title>
            <link>http://www.cccsofrochester.org/news/56/Good_Debt_vs._Bad_Debt/</link>
            <description><![CDATA[What can be considered good or bad debt?]]></description>
            <pubDate>Wed, 14 Jul 2010 10:23:11 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/56/</guid>
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            <title><![CDATA[Credit Cards, are they required for college students?]]></title>
            <link>http://www.cccsofrochester.org/news/30/Credit_Cards%2C_are_they_required_for_college_students%3F/</link>
            <description><![CDATA[Press Release, CCCS of Rochester offers alternitives for college students to build credit history,]]></description>
            <pubDate>Wed, 19 Aug 2009 10:24:27 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/30/</guid>
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            <title><![CDATA[Tips On Debt Settlement Companies]]></title>
            <link>http://www.cccsofrochester.org/news/27/Tips_On_Debt_Settlement_Companies/</link>
            <description><![CDATA[Important tips from the Office of The Attorney General]]></description>
            <pubDate>Thu, 04 Jun 2009 10:52:51 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/27/</guid>
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            <title><![CDATA[CCCS of Rochester Supports The United Way]]></title>
            <link>http://www.cccsofrochester.org/news/26/CCCS_of_Rochester_Supports_The_United_Way/</link>
            <description><![CDATA[Staff members support the United Way Day of Caring]]></description>
            <pubDate>Mon, 18 May 2009 11:46:37 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/26/</guid>
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            <title><![CDATA[NFCC Press Release: Debt Settlement Industry being investigated]]></title>
            <link>http://www.cccsofrochester.org/news/24/NFCC_Press_Release%3A_Debt_Settlement_Industry_being_investigated/</link>
            <description><![CDATA[Attorney General Cuomo investigates Debt Settlement Industry]]></description>
            <pubDate>Wed, 13 May 2009 17:01:22 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/24/</guid>
        </item>
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            <title><![CDATA[Attorney General’s investigation of the debt settlement industry]]></title>
            <link>http://www.cccsofrochester.org/news/25/Attorney_General%E2%80%99s_investigation_of_the_debt_settlement_industry/</link>
            <description><![CDATA[INVESTIGATION INTO DEBT SETTLEMENT INDUSTRY ]]></description>
            <pubDate>Wed, 13 May 2009 13:18:20 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/25/</guid>
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            <title><![CDATA[GRAFLI- Greater Rochester Area Financial Literacy Initiative]]></title>
            <link>http://www.cccsofrochester.org/news/21/GRAFLI-_Greater_Rochester_Area_Financial_Literacy_Initiative/</link>
            <description><![CDATA[The GRAFLI program is focused on the principle of personal finance]]></description>
            <pubDate>Wed, 29 Apr 2009 15:34:26 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/21/</guid>
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            <title><![CDATA[NFCC Press Release regarding ]]></title>
            <link>http://www.cccsofrochester.org/news/20/NFCC_Press_Release_regarding_/</link>
            <description><![CDATA[New repayment terms offer better repayment options for consumers]]></description>
            <pubDate>Wed, 15 Apr 2009 15:36:31 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/20/</guid>
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            <title><![CDATA[CARE- Credit Abuse Resistance Education]]></title>
            <link>http://www.cccsofrochester.org/news/19/CARE-_Credit_Abuse_Resistance_Education/</link>
            <description><![CDATA[CARE program offers financial education to students  www.careprogram.us]]></description>
            <pubDate>Wed, 01 Apr 2009 16:05:26 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/19/</guid>
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            <title><![CDATA[NFCC Press Release regarding Debt Settlements]]></title>
            <link>http://www.cccsofrochester.org/news/22/NFCC_Press_Release_regarding_Debt_Settlements/</link>
            <description><![CDATA[NFCC Offers Consumers Tips on Evaluating Debt Settlement Companies ]]></description>
            <pubDate>Tue, 03 Mar 2009 15:38:46 EST</pubDate>
            <guid>http://www.cccsofrochester.org/news/22/</guid>
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            <title><![CDATA[The Gramm-Leach Bliley Act]]></title>
            <link>http://www.cccsofrochester.org/news/17/The_Gramm-Leach_Bliley_Act/</link>
            <description><![CDATA[The Gramm-Leach Bliley Act includes provisions to protect consumers' personal financial information.]]></description>
            <pubDate>Thu, 14 Aug 2008 15:55:51 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/17/</guid>
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            <title><![CDATA[CCCS of Rochester, Committed to helping our community]]></title>
            <link>http://www.cccsofrochester.org/news/15/CCCS_of_Rochester%2C_Committed_to_helping_our_community/</link>
            <description><![CDATA[CCCS Staff raise money for the Juvenile Diabetes Research Foundation JDRF]]></description>
            <pubDate>Wed, 30 Jul 2008 16:21:31 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/15/</guid>
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        <item>
            <title><![CDATA[CCCS of Rochester launches new website]]></title>
            <link>http://www.cccsofrochester.org/news/13/CCCS_of_Rochester_launches_new_website/</link>
            <description><![CDATA[Consumer Credit Counseling Service of Rochester is pleased to announce the launch of our new web site.  ]]></description>
            <pubDate>Tue, 24 Jun 2008 10:33:34 EDT</pubDate>
            <guid>http://www.cccsofrochester.org/news/13/</guid>
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