Our vision is to be the most trusted resource for financial literacy education, products, and services that enable individuals and the communities we serve to achieve their financial goals.
Consumer Credit Counseling Service of Rochester and its representatives strictly adhere to our high standard of values. We are committed to full disclosure of facts and the truth in all dealings with internal and external stakeholders. Agency employees are incorruptible, trustworthy and principled.
The agency cares about the financial well being of those we serve. CCCS of Rochester values our clients, members of the community and our employees. We treat people with dignity and value each individual, as an individual, in our quest to enhance the communities where we live and work.
We are committed to providing responsive, timely and effective solutions by delivering services that exceed expectations.
Our services are equally available to all communities in which we serve regardless of socio-economic class, physical limitation or location. We respect and serve our organization and community by providing equal treatment to all.
Our objective is to educate and empower individuals and families to take control of their financial lives. Our initial counseling services and evaluation are at no cost to you.
As a member of the National Foundation for Credit Counseling, we exemplify the highest standards of professionalism in nonprofit consumer credit counseling and financial education.
We embrace strict, high quality operating standards that afford us the privilege of being licensed by the NYS Department of Financial Services, and we are nationally accredited by the Council on Accreditation. You can rely on our long track record of providing reliable and high-quality consumer credit counseling and financial education services.
Take advantage of our not-for-profit counseling services:
Bankruptcy Counseling Declaring bankruptcy – a way to start over
Bankruptcy is not for everyone, but for those who need a fresh start, declaring bankruptcy is an option. CCCS of Rochester offers bankruptcy counseling and a complete line of credit counseling services. Our nationally certified credit counselors can help you weigh all of the pros and cons.
Foreclosure Prevention Counseling Foreclosure prevention counseling is free.
Losing your house is a frightening thought! At CCCS of Rochester, we understand that you might not know what to do when you fall behind on your mortgage payments. We work closely with HUD guidelines to provide you with foreclosure prevention counseling and assistance. We are supported in this work by the National Foreclosure Mitigation Counseling Program. The time we spend with you is free of charge. If your mortgage is delinquent, take action today.
Consumer Credit Counseling Service of Rochester has been a trusted name in financial education and counseling since 1970. Now more than ever our counseling involves providing help to clients with their single biggest expense, their housing. Homeowners are seeking help in buying their first home in the tight mortgage market, preserving their home during life-changing events and understanding their options related to delinquency or foreclosure. These are just a few of the areas we can help you with. Review the housing programs, and services we offer. We welcome you to call our office and talk to one of our counselors today.
Reverse Mortgage Counseling Need more income in your golden years? A reverse mortgage may be the answer.
Making ends meet can be a real challenge for you as a senior citizen. If you are a homeowner who has reached age 62 or older, the Home Equity Conversion Mortgage (HECM) – FHA’s Reverse Mortgage – may allow the use of your home’s equity as a source of income without adding to your monthly debt. In fact, you can use your HECM loan for anything you choose without having to repay your mortgage until the house is sold. Lenders determine whether you qualify for a HECM. The Federal Housing Administration (FHA) requires that you attend a counseling session before you apply for a HECM loan. CCCS of Rochester provides the consumer credit counseling required by the FHA, and we will make sure that you understand all of the reverse mortgage pros and cons.
Student Loan Counseling
As college students and graduates, we strive for the best. We get a higher education to create a more successful and prosperous life for ourselves. Unfortunately, many struggles to find jobs and make a living wage. One out of three graduates faces difficulties with repaying student loan debt.
If you’re struggling to make payments on your student debt, we can help!
Debt Management Program Imagine being debt free
CCCS of Rochester can help make the dream of becoming debt free come true. When you enroll in one of our debt management programs, we provide you with debt consolidation services. We take all of your debts and combine them into one affordable monthly payment.
First Time Home Buyer Programs First Time Home Buying Workshops and Counseling Programs
Call today to schedule an appointment for a free evaluation at (585) 546-3440. One of our nationally certified credit counselors will be happy to speak with you.
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