Cccsofrochester.org

What services do you offer

Representative Payee Services; Please call us at 585-546-3440 if you have any questions about these services. Free Evaluation: (585) 546-3440. CCCS of Rochester u/a/n RethinkingDebt.org is licensed and regulated by the NYS Department of Financial Services.

Actived: 9 days ago

URL: https://www.cccsofrochester.org/resources/faq/frequently-asked-questions/what-services-do-you-offer

Housing Counseling Rochester, NY CCCS of Rochester

Our Counselor Explains The Importance of Housing Counseling. She explains the different types of Housing Counseling and the importance of seeking help early whether it is to avoid losing your home, leverage the investment you already have or participate in educational programs to help you get one: . Certified Housing Counselors for expert advice.

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Debt Management Program Rochester NY CCCS of Rochester

We will take all of your debts and combine them into one affordable monthly payment. After evaluation of your personal financial situation, we provide you with practical budget counseling services and work with you and your creditors to build a budget you can live with. Our debt management plans do not include a debt consolidation loan and

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Credit and Budget Counseling Rochester NY CCCS of Rochester

She explains the various steps our certified counselors will take to access your current financial position and help you establish a budget and provide resources to help you stay on track financially: . We will review of your credit report. Review the status of your debt and the current status of your bills. Help you with tools and educational

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Bankruptcy Counseling Rochester, NY CCCS of Rochester

CCCS of Rochester Low Cost Bankruptcy Counseling Fees. To help defray the costs of this valuable service, we charge a $50.00 fee per person. Under certain circumstances, we can waive the fee. Waiving the fee will be assessed based on regulations from NYS, written verification of your family's monthly gross income, and Federal Poverty Level

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Pre-filing CCCS of Rochester

For families/households with more than 8 persons, add $4,720 for each additional person. To request a fee waiver, in whole or in part, Client must submit supporting income documentation to CCCS either in-person; via Email at [email protected]cccsofrochester.org; by Facsimile at (585) 546-5693; or by mail by addressing CCCS of Rochester, 1050 University

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Bankruptcy Counseling Online

IMPORTANT! Please read and carefully review the following information prior to class registration and payment. Click on "Support Page" to ensure your computer system meets or exceeds the minimum standards.

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Funding Sources CCCS of Rochester

Our counseling services are free of charge. Grant awards. Grants have traditionally been a small part of our funding base, but we do apply for non-profit grants on a regular basis. Our foreclosure prevention and reverse mortgage counseling programs are supported in part by grant funding from the Department of Housing and Urban Development (HUD).

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Make a Payment CCCS of Rochester

Savings. Routing Number *. Account Number *. Payment Amount *. Payment Date *. Payment Frequency *. One-time payment. Recurring payment. Recurring payments process automatically the same day every month.

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Credit Repair Scams & Debt Settlement Deals CCCS of Rochester

Some of the consequences of using these services could be: Prosecution for providing false information when applying for credit, misrepresenting your Social Security Number, or obtaining an Employer Id Number (EIN) under false pretenses; Unforeseen income tax liability from settled balances; Significant adverse effects to your credit history

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About Consumer Credit Counseling Service of Rochester

An Organization You Can Trust. Founded in 1970, Consumer Credit Counseling Service (CCCS) Of Rochester, is a community-based, non-profit organization, serving families in the Rochester, NY region. Our vision is to focus on the financial wellness of families and individuals by providing them with certified professionals for confidential counseling, educational services, and other …

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Improving Your Credit Score CCCS of Rochester

Schedule an appointment for credit counseling services CCCS of Rochester is committed to outstanding customer service. Our Client Support Department is open daily M-TH from 9am - 8pm and Friday from 9am-5pm EST. Explore our consumer credit counseling services. We offer debt consolidation and debt management programs, bankruptcy counseling

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Protecting Your Identity CCCS of Rochester

One of the safest ways to avoid identity theft is to shred all of your bank and credit card statements to protect you from dumpster divers. Don't just throw them out or even just tear them up. Shredding them is the best option. Online banking also minimizes the risk of sensitive information getting in the wrong hands.

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How to Raise Your Credit Score Fast CCCS of Rochester

Make Payments on Time: The No. 1 place to start is to begin by paying your bills on time. On-time payments account for 35% of your credit score in the FICO formula. Paying 30 days late or more can drop your credit score by 100 points. Although this may be easier said than done, pay as soon as you can. Once your account is up to date, you can

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Welcome Lexington Federal Credit Union!

CCCS of Rochester is proud to have formed a partnership with Lexington Federal Credit Union. We are in Rochester and have been helping Rochesterians since 1970. CCCS of Rochester can help you with services such as budgeting, credit counseling, debt management plans, foreclosure prevention, reverse mortgage, first home buyer education, and more.

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Does Debt Settlement Work

Debt Settlement is Risky—and Pricy. The reality is debt settlement can actually put you in a worse position than you started in. To begin with, debt settlement forces you to stop paying on your credit payments. This is done so that lenders believe you are unable to pay back the amount in full and makes it more likely they’ll enter negotiations.

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Welcome ESL Federal Credit Union!

Consumer Credit Counseling Service of Rochester welcomes the members and employees of ESL Federal Credit Union. CCCS of Rochester is proud to have formed a partnership with ESL. We are in Rochester and have been helping Rochesterians for 45 years. CCCS of Rochester can help you with services such as budgeting, credit counseling, debt management

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Pooled Trust CCCS of Rochester

A pooled trust is a trust established and administered by a non-profit organization. According to Federal and New York State laws a person of any age with a disability can use a pooled trust to protect income or resources that would otherwise disqualify them for government benefits, such as Medicaid. There are 3 different types of trusts. A 1st

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Is Debt Management a Good Idea CCCS of Rochester

Seeking credit counseling services and debt management is the next step on the road to financial recovery so that you can get your debt under control. Credit counselors will work with you and credit card companies to consolidate your debt on unsecured debt. This means credit debt, but also medical bills, personal loans, and more.

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If I am struggling to cover my mortgage and trying to avoid …

Don't wait. If you are feeling uncomfortable with the situation, your mortgage holder may feel that way too. Call right away for a free consultation.

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Are You a Small Business Owner

Are you a small business owner in the Rochester, NY area?Need to fix your credit? Need to improve your personal finances? Our financial counselors provide free, one-on-one help with:

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Financial Education for Debt Repayment CCCS of Rochester

Go For Gold. This program helps Rochester youth ages 11-18 to build financial capability through a peer education model. The focal topics being taught to youth include money management, credit and loans, banking, saving, and professionalism. Certified peer educators receive a $50.00 stipend for every workshop they conduct.

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How To Build A Savings Account CCCS of Rochester

The first thing you will want to do when planning for your savings is to set a goal you would like to achieve. By setting a goal first, you can come up with the most effective plan to reach it. By starting to save a smaller of money amount on a regular fixed basis, you will train yourself to make saving a part of your everyday life. If you

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Why do I receive monthly statements from my creditors if …

You should/will continue receiving monthly statements from your creditors. If you are not receiving statements from your creditors, you should contact them to ensure they have your most recent contact information.

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Foreclosure Prevention CCCS of Rochester

At CCCS of Rochester, we strive to assist homeowners that are having difficulty in making their monthly mortgage payment with possible foreclosure prevention options. Our HUD certified Housing Counselors will advocate for the homeowner and serve as their voice with their mortgage servicer. The Housing Counselor will work with the mortgage

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FAQ How CCCS of Rochester Can Help

We offer a free 1 hour consultation with one of our credit counselors to determine the best course of action. If we set up a repayment program for the customer (a Debt Management Plan) the cost is $25.00 one-time set up fee, and monthly fee of $40.00 (max).

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Credit Card Minimum Payment Interest Calculator CCCS of Roc

This calculator will show you how much interest you will end up paying if you make only the minimum required payment on your credit card bill. It will also tell you how many minimum payments you will make before your balance is paid off (up to a maximum of 600 payments). Enter Dollar Amount Charged: Enter Annual Interest Rate (APR): Enter

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IRS Phone Scams CCCS of Rochester

There are a number of different phone scams that are currently going on, including people claiming to be the Internal Revenue Service (IRS). Beware of phone scams!

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Event Calendar Money Management and Debt Repayment …

CCCS of Rochester is proud to host multiple workshops covering money management, debt repayment, housing, budgeting, and more in Rochester, NY.

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Event Calendar Money Management and Debt Repayment …

It's estimated that the average American household owes almost $10,000 in credit card debt alone, representing minimum payments of almost $400 a month.

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Event Calendar Money Management and Debt Repayment …

Having control over personal expenses can set a small business owner up for success. This workshop will review strategies to develop a solid spending plan, tips on keeping your expenses on track, managing and paying off existing debts, maintaining your credit score and finding resources to…

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Financial Education and Debt Management Blog CCCS of Rochester

Learn more about debt management, saving money, credit counseling, buying a home, budgeting, and all kinds of financial advice on our blog!

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Event Calendar Money Management and Debt Repayment …

This course will cover strategies to develop a sold spending plan, maintain your credit, understand homeowner’s insurance, manage home safety, and manage household projects. This course meets the requirements of some local grant programs. …. Housing Community Workshops and Classes. Mar 10 2022.

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