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Consumer Credit Counseling Service of Rochester (New York) is a non-profit community service agency dedicated to educating and empowering individuals and families to take control of their financial lives

• Home
  • Let's Get Started
    • 1. Organizing Your Financial Information
    • 2. Complete Online Application
    • 3. Schedule Appointment
• About CCCS
  • Client Testimonials
  • Careers
• Services
  • Credit Education
  • Bankruptcy Counseling
    • Pre-Filing Financial Counseling
    • Pre-Discharge Financial Education Workshop
    • Certificates of Completion
  • Debt Management
  • Housing Programs
  • View Course Calendar
  • Access Your Account
  • Make a Payment
  • Apply Online
• News
  • Newsletter Sign-Up
  • Summer 2008 Newsletter
  • The Gramm-Leach Bliley Act
  • CCCS of Rochester, Committed to helping our community
  • CCCS of Rochester launches new website
• Ask The Experts
  • Ask A Question
  • Credit FAQs
    • Is CCCS a government agency, and how is CCCS funded?
    • Will the CCCS Debt Management Plan impact my credit report?
    • Do I have to put all of my credit cards on the program?
    • How can I make my Debt Management Plan payments?
    • Can I buy a home or car while I'm on the Debt Management Plan?
    • Even though I've been on the program for a month, my creditors are still calling me. I thought that the collection calls would stop.
    • What if I want to stop the plan?
    • How much does the Debt Management Plan cost?
    • How do I know if my payment was received?
    • Can I pay more than my monthly DMP payment in order to pay the debt off quicker?
    • Can I make changes to my monthly ACH payment?
    • Can I skip a payment?
    • What is the benefit of ACH payments over mailing payments?
    • How may a debt collector contact you?
    • Can you stop a debt collector from calling you?
    • May a debt collector contact anyone else about your debt?
    • What types of debt collection practices are prohibited?
    • False statements
    • Debt collectors also may not state that:
    • Unfair practices.
    • Where can you report a debt collector for an alleged violation?
    • What is Phishing?
  • Credit Tips
    • New Years Resolution- Improve your “Financial Fitness”
    • Information about settlement companies
    • HOW TO SUCCESSFULLY MANAGE YOUR CHECKING ACCOUNT
    • How to Create a Budget and Stick to it
    • Recognize the early warning signs of debt trouble
    • Save Money At The Grocery Store Without Coupons
    • Develop a diversified savings plan
    • How to Dispute Credit Report Errors
    • How to Improve Your Credit.
    • Money Saving Strategies for College Students
    • How is a Credit Score Calculated?
    • Don't suffer in silence, take action and get help
    • Keep more of your money.
    • Prioritize your expenses and spending
  • Evaluation Tools
    • Minimum Payment Calculator
    • Loan Comparison Calculator
    • Mortgage Refinance Calculator
• Contact CCCS
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