Our Services

Before, during and after financial problems, we're here to help. Review our complete listing of services below.

Know the Difference

Select the right credit counseling agency by learning the difference between reputable credit counseling agencies and those that do not always act in the consumer's best interests.

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Financial Counseling

During a Financial Counseling session a Certified Financial Counselor will:

  • Thoroughly review your income and expenses
  • Review your Credit Report and Score
  • Analyze your unsecured debts (credit cards, retail cards, finance company loans, collection agencies, judgments and medical bills) and review appropriate debt repayment options
  • Provide you a written overview of your financial situation and action steps to take
  • Supply resources to achieve financial goals and address financial concerns

From budgeting advice and suggestions for positive spending habits, to a creditor repayment plan, you and your counselor will work as a team to create a spending plan and determine the best plan to achieve your financial goals. Ultimately, your counselor has your best interest in mind. Fee: $25

Creditor Repayment Plan (CRP)

One option your counselor may recommend is a Creditor Repayment Plan (CRP). A CRP is a partnership between you and CCCS to systematically pay down your outstanding debt through monthly deposits to CCCS, which will then be distributed monthly to your creditors.

By participating in a CRP, you may benefit from:

  • Lower monthly payments
  • Reduced interest rates
  • Waived late/over limit fees
  • Elimination of collection calls
  • Having only one monthly payment
  • Becoming debt free in 5 years or less

How is a CCCS plan able to lower my rates when I can't do it on my own?

The negotiated interest rates and payment amounts you may receive on a CRP are based on the higher likelihood of repayment to your creditors due to more favorable terms.

Small Business Coaching

A Certified Financial Counselor will:

  • Thoroughly review personal and business financial issues/concerns
  • Review income and financial goals
  • Analyze expenses and cash flow: Formulate and/or adjust a budget specific to a client's needs and supply resources to help reduce costs
  • Review credit score/ report and make recommendations to raise your credit score
  • Evaluate business and/or personal debt and explore debt repayment options

Provide you a written overview of the financial situation with action steps to take. We also supplemental information regarding the recommendations and referrals for further community support. Fee: $99

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Student Loan Counseling

During a Student Loan Counseling Session a Financial Counselor will:

  • Review financial goals and student loan concerns
  • Analyze living expenses
    • Adjust a budget specific to a client's needs
    • Supply resources to help reduce costs
  • Review credit score and credit report
  • Evaluate student loan debt
  • Explore options for student loans including deferments, forbearances, alternative repayment plans, and consolidation loans
    • Review the pros and cons to each option
    • Assist in applying for appropriate option
  • Assist in communicating with the student loan lender, as needed
  • Provide a written overview of options with action steps to take
  • Supplemental information regarding student loans and repayment options

Fee: $75

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Financial Coaching

A Certified Financial Counselor will:

  • Help you create an individualized budget
  • Teach you budgeting methods to help you achieve your financial goals
  • Provide you with your Experian credit report and credit score
  • Give you information on how to dispute any inaccuracies on your credit report

From budgeting advice to suggestions for positive spending habits, you and your counselor will work as a team to create a spending plan and determine the best plan to achieve your financial goals. Fee: $50

Credit Report Review

A Certified Financial Counselor will:

  • Thoroughly review your credit report and what your score means for you
  • Make recommendations on how to raise your credit score
  • Provide you information on how to dispute any inaccuracies on your credit report

** We offer Credit Report and Credit Score services to Landlords and potential Tenants

Fee: $35 per person

Reverse Mortgage Counseling

Mandatory counseling required for anyone who is applying for a Reverse Mortgage. A certificate of completion is provided after the appointment.

A Certified Reverse Mortgage Counselor will:

  • Provide you with unbiased information about how Reverse Mortgages work
  • Help you understand eligibility requirements, steps involved in the Reverse Mortgage process, costs, benefits, and possible alternatives

Fee: $125

Pre-Purchase/Homebuyer Education Counseling

CCCS understands that purchasing a home can be a very exciting time, as well as a newfound responsibility in your life. Whether you're a first-time homebuyer or just looking to become more educated about homeownership, we can help you prepare.Also available online.

Fee: Workshop is FREE, Online course is $99

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Delinquency Housing Counseling

Whether you are behind on your mortgage payments or feel you may become behind in the near future, a Certified Financial Counselor can help you explore available options that may make your mortgage more affordable for you.

During a Delinquency Housing Counseling appointment a Certified Financial Counselor will:

  • Evaluate your mortgage options
  • Assist in applying for the appropriate option
  • Help you communicate with your lender, as needed
  • Assess your living expenses
  • Review your credit report and credit score

Fee: FREE

Bankruptcy

CCCS of Buffalo offers EOUST-approved bankruptcy pre-file counseling and pre-discharge education to the United States of America (not available in Massachusetts, Oregon, North Carolina, or Alabama). "Approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency's services."

Bankruptcy Pre file/Credit Counseling Course

One of two required courses needed in order for a person to file bankruptcy. The Pre-File course is needed before the bankruptcy case can be filed with the court.

A Certified Financial Counselor will:

  • Provide an overview of bankruptcy
  • Explain the positives and negatives of filing
  • Help you understand the process
  • Evaluate your personal financial situation
  • Provide you with a personal budget plan

Once your session is complete your counselor will issue you the certificate that is required in order to file your bankruptcy. This certificate is good for 180 days from the date and time issued. If you are not able to file the bankruptcy within the 180 day time frame then due to the U.S. Department of Justice bankruptcy regulations the course must be retaken.

Fee: $50 per filer

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Bankruptcy-Pre-Discharge/Debtor Education

The second and last required course in a bankruptcy proceeding. The certificate from this course will allow your debts to be legally discharged.

Your Certified Financial Counselor will review how to:

  • Develop a budget
  • Reach financial goals
  • Rebuild and protect credit for the future

Once your session is complete your counselor will issue you the certificate that is required in order to have your debts/bankruptcy discharged.

Fee: $50 per filer

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If you have a disability, language barrier or any impairment that may affect access to services, please call us at (716) 712-2060 so that we can assist in making alternative arrangements.

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