Services Overview

Here at Consumer Credit Counseling Service of Central New York^®, we offer a wide range of services to help you get out, and stay out, of debt.

Budget counseling at CCCS is free. Our professional budget counselors will help determine whether you are a good candidate for a debt management program to eliminate your debt without exorbitant fees. We also offer bankruptcy and HUD-approved housing counseling, as well as several other valuable and informative services.

Please select the service you'd like to learn more about:

	Credit Budget Counseling Budget Counseling is offered free of charge by CCCS. You and a certified counselor will review your income, expenses and debt, and create a plan to achieve your financial goals.
	Debt Management Plans When you're in over your head, a Debt Management Plan (DMP) might be exactly what you need. Get out of debt within 5 years and move on with your life.
	Bankruptcy Counseling CCCS provides pre-bankruptcy and pre-discharge financial education as mandated by New York State and Federal Law. Complete your counseling sessions in person, over the phone, or online.
	Credit Report Review We will help you understand your credit report, explain your credit rights, teach you how to dispute errors, and help you to develop a plan to improve your credit score.
	HUD-Approved Housing Counseling CCCS is approved by the US Department of Housing and Urban Development (HUD) to offer comprehensive housing counseling and education.