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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
• Financial Education
  • Workshops and Classes
    • Workshops and Resources
      • Financial Workshops
    • Buying a Home
      • Costs of Buying a Home
      • Mortgage Types
      • Mortgage Payment Calculator
      • Refinancing a Mortgage
      • Cost of Refinancing Your Mortgage
  • Handling Credit
    • Credit Cards
      • Interest Rates
      • Using Credit Cards Wisely
    • Your Credit Score
      • Improving Your Credit Score
      • Fixing Credit Report Errors
      • Credit Repair Scams and Debt Settlement Deals
    • Identity Theft
      • Identity Theft Techniques
      • Protect Yourself from Identity Theft
      • Act Quickly if you are a Victim
  • Managing Money
    • Money Management
      • Write Down Financial Goals
      • Stick to a Budget
      • Establish a Bill Paying System
      • Reducing Expenses
      • Smart Habits That Save Money
    • Bank Services
      • Finding a Checking Account That's Right for You
      • Writing a Check
      • Balancing Your Account
      • Debit Cards
      • Saving Accounts
      • Online Banking
    • Consumer Protection Laws
  • Resources
    • Resources & Materials
    • ID Theft and Online Safety for Military
• Debt Management Program
  • Program Benefits
    • How a Debt Management Program Can Help You
    • Your First Credit Counseling Session
    • Beware of Debt Settlement
    • What to Know About Debt Consolidation Loans
  • Program Guidelines
    • Your Rights
    • Your Responsibilities
    • Conflict Resolution
  • Getting Started
    • Do-It-Yourself Debt Repayment Options
      • Pay More than Minimum
      • Debt Reversal Pyramid
      • Use Your Savings
      • Renegotiate Creditors' Terms
      • Borrow Home Equity
      • Friends and Family
      • Cash Out Life Insurance
      • Cash Out Retirement Savings
    • Schedule an Appointment
• Counseling Services
  • Credit Counseling
    • Credit Counseling Session
    • Credit Report Review
    • Online Budget Counseling
    • First Appointment
  • Home Buyer Education
    • Online Homebuyer Workshop
  • Housing Counseling
    • Reverse Mortgage Counseling
    • Online Foreclosure Counseling
  • Bankruptcy Counseling
    • Bankruptcy Counseling Online
    • Pre-Filing Counseling
    • Pre-Discharge Counseling
• About Us
  • Our Services and Covid-19
  • Mission, Vision, and Values
  • Contact Us
  • Calendar
  • Testimonials
  • Newsletter Sign Up
  • Community Partnerships
  • Funding Sources
  • State Registrations
  • Employment Opportunities
  • Staff
    • Jeana Breakingbury
    • Christopher Camaione-Lind
    • Lauren Geary
    • Danielle Grasta
    • Pamela Hart
    • Lisa Hochlander
    • Amy Holland
    • Jennifer Hundley
    • Kenneth Koban
    • Juan Lozada
    • Kristina Perez
    • Karyn Rando
    • Chad Rieflin
    • Lynette Rieke
    • Elaine Rodriguez
    • LaTricia Schobert
    • Diamond Sullivan
    • Jason Tracy
  • FAQs
    • Frequently Asked Questions
      • What services do you offer?
      • Who do we write the certified check out to?
      • Where can I find employment opportunities on your website?
      • Can I pay off either a portion or all of my debt management besides the regular payments
      • I'm only a little behind on my bills, can you still help me?
      • Will I be able to get in touch with someone nrheoufg an Email After-hours
    • FAQ's on Student Counseling
    • Debt Management Plan
      • What is the difference between a settlement and a Debt Management program?
      • Does the Debt Management program reduce the overall balance due to the creditors?
      • Will a Debt Management program hurt my credit score?
      • How does a debt management program impact my credit score?
      • Why do I receive monthly statements from my creditors if Consumer Credit Counseling Service of Chattanooga sends me a monthly statement?
      • Can I get a mortgage loan or auto loan while on the Debt Management Plan?
      • Will anyone be in contact with me from Consumer Credit Counseling Service of Chattanooga once I’m on the Debt Management Plan?
      • What is a Debt Management Program?
      • Who can use CCCS services?
    • Credit Score/Report
      • What makes up my credit score?
    • Credit Counseling
      • What is a Credit Counseling Session?
      • How can I pay off my credit card debt faster?
      • How do I build my credit?
      • How long does the credit counseling session take?
      • How long will it take to pay off my debts?
    • Bankruptcy
    • Housing
  • Blog
• Client Reviews Encourage Others
• News
• MyMoneyCheckup
• Making a Payment
• Make a Payment
• Calculators
  • Auto Payment Comparison Calculator
  • Automobile Affordability Calculator
  • Automobile Loan Payment Calculator
  • Budget Percentage Calculator
  • Credit Card Minimum Payment Interest Calculator
  • Credit Card Principal/Interest Calculator
  • Fixed Vs. Minimum Payment Calculator
  • Debt Calculator
  • Debt Ratio Calculator
  • Debt Payoff Goal Calculator
  • Accelerated Debt Payoff Calculator
  • Brown Bag Savings Calculator
• Getting Started
  • Getting Started Step 1
  • Getting Started Step 2
  • Getting Started Step 3
• Privacy Policy
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