Consumer Credit Counseling Service - Niagara County Financial Empowerment Coalition

In 2013, CCCS assembled human service providers from throughout Niagara County to create the Niagara County Financial Empowerment Coalition to provide free opportunities for financial education to create brighter financial futures for Niagara County residents. Free one-on-one financial coaching sessions are provided to address credit, debt, spending plans and any other financial concerns. Group financial literacy classes are offered at various service providers in Niagara County as well.

Clients and partners looking to schedule services can call 712-2060 for more information.

Special thanks to the United Way of Greater Niagara for providing vital support for these services since 2013!

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Financial Coaching

During a Financial Counseling session 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
  • Analyze your debts 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 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. Ultimately, your counselor has your best interest in mind.

Debt Management Plan (DMP)

One option your counselor may recommend is a Debt Management Plan (DMP). A DMP 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 DMP, 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
What clients are saying:

"I needed financial advice and I received information that I would not have even known to ask about if I had not come. I look forward to working with CCCS to get my financials in order. Thank you."

"Jim was extremely helpful and made me feel comfortable and confident in my options!"

"Jim Ingham helped me with everything I needed to know about my credit so I can be debt free in the future."

"I came in uncertain, in unfamiliar territory. I soon felt comfortable to face the uncomfortable thanks to Jim's help and care. I am optimistically looking forward to using the knowledge gained to change history for myself and share with those I love and care about the power of financial healthiness. Thank you CCCS and Mr. James Ingham."

Volunteer Income Tax Assistance Program (VITA)

Free Tax Preparation

From January through mid-April, CCCS offers free tax preparation services at convenient locations in Niagara Falls and Lockport, saving the community tens of thousands of dollars in tax preparation fees and ensuring access to maximum allowable refunds. It's your money-keep it all in your pocket, call CCCS instead of a commercial preparer!

To schedule a tax preparation appointment call (716) 712-2060

Program is sponsored by the IRS. Volunteers needed, if interested please call (716) 771-3255

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