Consumer Credit Counseling Service of Rochester does a lot more than credit counseling

  • Getting out of Debt in 2017

    Getting out of Debt in 2017
    The holidays have come and gone.  This time of year is a great time to think about goals for the new year. Make the com...

  • IRS Phone Scams

    There are a number of different phone scams that are currently going on, including people claiming to be the Internal Revenue Service (IRS).  These types of scams are normally very sophisticated and convincing.  The scammer claiming to be from the IRS will know your name, possibly be able to recite the last four digits of your Social Security Number and may know other personal information.  The scammer can even spoof the caller id to make the call appear to be coming from the IRS. 
    With this kind of scam, the person claiming to be an IRS agent will claim that you owe back taxes and that you need to make a payment.  If you refuse or ask too many questions, the scammer may become very aggressive and threaten their victims with jail time, lawsuits or even to revoke your driver’s license.  On the flip side, the scammer can also say you are due a refund to gain banking information.  There are a few ways to know if the call is a scam.
                The IRS will never:

    Demand payment over the phone or ask for any type banking information: this could include prepaid debit cards, checking or savings account information, credit card numbers or for a wire transfer

    Ask for detailed personal information: This includes requests for PIN numbers and passwords, or access information for credit cards, banks or other financial accounts

    Reach out to anyone via email: - If you do receive an email, do not reply, open any attachments, or click any links. Forward the email as-is to the IRS at

    If you receive a call from a person claiming to be from the IRS, take down the individual's name and badge number.   You can then call the IRS at 1-800-829-1040 and verify that you’ve received a legitimate call. If you do find that the call you received is a scam you can report it to:
    Treasury Inspector General for Tax Administration at 1-800-366-4484 or
    online with the Federal Trade Commission at

  • Saving for Summer Vacation

    During the summer no one wants to stay inside. To ensure that you will be able to enjoy your summer to the fullest, here are some tips to help plan ahead. These are important to make sure that you are not over spending on credit cards or getting behind on regular monthly bills.
    Set a goal: First set a goal for yourself that will allow for summer fun within a budget. Then decide how much you can set aside out of each paycheck and how many weeks this goal will take to achieve. Sometimes this can accomplished without putting aside extra funds, but rather tightening up your current expenses. For example, cutting out one cup of coffee per week or bringing your lunch each day.
     If you planning a vacation away from home, it’s important to plan for all of the possible expenses, such as plane fare, hotel costs, food, activities and for the unexpected expenses! Once you know how much you will need, you can set up a savings plan that will work for your budget.
    If you are staying home for the summer, look for options that have little to no out of pocket expense, such as visiting a park, a beach or the zoo.
    Discounts: Do not be afraid to ask about possible discounts at your destination or events, as you never know what will be availab...

  • Breadwinner Moms, Make the Call

    When you just can’t seem to get out from under your bills and your family’s future is becoming harder to focus on, it’s easy to feel overwhelmed and a little lost. You aren’t. It’s actually the first step to tackling your money issues.
    While a call to Consumer Credit Counseling Service of Rochester, an NFCC® member agency, is an important step to solving money problems, the first step is actually facing the fact that you need help, and it’s the hardest. But, once you make the call, we can help put you on the right path to resolving your situation.
    It’s a situation we understand well. In fact, NFCC and The Ohio State University worked together to survey participants in NFCC’s Sharpen Your Financial Focus™ program we offer. Data from this program found that the type of counselling we provide helped reduce revolving debt levels, specifically for wage-earning mothers, by nearly 49.5% from precounseling levels within a year.
    How we help and the results you realize depend on you and what you need.
    • Consolidate bills into one smaller payment.
    • Pay off your debt faster.
    • Improve your money habits.
    • Lower interest rates regardless of credit score.
    • Stop collection calls.
    • Eliminate late fees and over-limit charges.
    Helping women, especially those who are the primary breadwinner for their household and have found themselves in tough financial situations, is what we do. If that’s you, you owe it to yourself. Make the ca...

  • Don't Let Debt Keep You Down, Soldier

    Struggling with debt is bad enough – whether you’re a veteran or are about to transition into civilian life – but when you’re actively deployed, ...

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A History of Helping People in Rochester

CCCS of Rochester is proud to be the only locally-based non-profit Credit Counseling Agency in the Rochester area. Over the last 40+ years, we have helped hundreds of thousands of people reclaim their financial health

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