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Non-profit credit counseling agency in Rochester, NY offering debt management, credit counseling, and housing advice for over 50 years. Free consultations and certified counselors.
Data compiled from public sources
CCCS of Rochester is a locally-based, non-profit credit counseling organization that has served the Rochester area for over 50 years. According to their website, they are "the only locally-based non-profit Credit Counseling Agency in the Rochester area" and have helped hundreds of thousands of people restore their financial health during that period.
The organization offers a comprehensive range of financial services including debt management programs, credit and budget counseling, housing counseling (with certified housing counselors), first-time home buyer assistance, and reverse mortgage guidance. They provide a "My Virtual Counselor" tool that allows consumers to estimate savings on a debt management plan before meeting with a counselor. All initial consultations are offered for free, with both online appointment scheduling and phone consultation available at (585) 546-3440.
CCCS of Rochester distinguishes itself through its non-profit status, community focus, and use of certified counselors. They emphasize operating as a "no judgement zone" and highlight that referrals from satisfied clients are their #1 source of new business. The organization also conducts community financial literacy programs in local schools, as evidenced by testimonials from guidance counselors.
The company relies on client testimonials and word-of-mouth rather than aggressive marketing. While their services appear effective based on documented success stories (including one client who paid off $20,000 in credit card debt over 4 years), prospective clients should understand that debt management plans require commitment over multiple years and may involve negotiating reduced interest rates with creditors rather than eliminating debt entirely.
This is state-level context for Free Help consumers in Rochester, NY. It does not confirm that Consumer Credit Counseling Service of Rochester or this specific location is licensed.
State regulator
New York Department of Financial Services
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Consumer Credit Counseling Service of Rochester offers 10 services including Free debt management programs with negotiated creditor payment reductions, Credit and budget counseling with certified counselors, Housing counseling with certified housing counselors, First-time homebuyer education and assistance programs, Reverse mortgage consultation and equity leverage education, and 5 more.
Consumer Credit Counseling Service of Rochester has profile signals associated with Individuals with multiple credit cards maxed out seeking affordable debt consolidation and payment reduction, First-time homebuyers in Rochester area needing down payment assistance and homeownership education, Homeowners at risk of foreclosure seeking certified housing counseling and loss mitigation options, People with budget management struggles wanting personalized guidance from certified financial counselors.
Key strengths: Confirmed non-profit status with 50+ years of local service in Rochester area; Free initial credit counseling and budget assessment consultations available online and by phone; Certified housing counselors on staff for foreclosure avoidance and first-time homebuyer programs. Areas to consider: Debt management plans require multi-year commitment (testimonial mentions 4 years for $20,000 debt); Limited geographic focus to Rochester, NY area; unclear if services available outside region.
In the Free Help category, comparable providers include Approved Credit Consulting, Center for NYC Neighborhoods, New Economy Project. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
CCCS of Rochester is profile signals for Rochester-area residents with credit card debt or housing concerns who qualify for non-profit counseling and can commit to multi-year repayment plans. Primary caveat: debt management programs require sustained monthly payments over several years and depend on creditor participation—this is not a quick fix or debt elimination service, but rather a structured debt reduction strategy for those who cannot manage payments independently.
Non-profit bankruptcy credit counseling provider offering court-mandated pre- and post-filing courses required under BAPCPA for Chapter 7 and 13 filers.
Profile signals: Individuals who have decided to file Chapter 7 or Chapter 13 bankruptcy and need to satisfy the legal pre-filing counseling requirement, Married couples filing jointly seeking affordable, flexible online bankruptcy education
HUD-approved non-profit providing free homeowner counseling for mortgage assistance, foreclosure prevention, and affordable housing protection across New York State.
Profile signals: New York homeowners at risk of missing mortgage payments seeking free counseling, Families facing foreclosure who need legal and financial navigation support
NYC-based nonprofit providing free legal advice, financial counseling, and organizing support to low-income residents fighting economic injustice with high-cost lending risk context finance.
Profile signals: Low-income NYC residents seeking free legal advice about high-cost lending, financial discrimination, or debt-related legal issues, Community organizers and groups building campaigns for financial justice and economic equity in their neighborhoods
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