CCCS of Buffalo - Dare to be Debt Free

The last recession was fueled, in part, by a mortgage crisis; economists warn that the U.S. may suffer a student loan crisis next. On a national level, graduates owe around $1.5 trillion in student loans — the largest source of household debt after housing — but it is at an individual level that the extent of the looming meltdown becomes clear. Analysis of recently-released data suggests that almost 40% of borrowers who entered college in 2004 may default on their student loans by 2023. Filing for bankruptcy is not an option, since “undue hardship” is the standard the borrower must meet despite the fact that the term has never been legally defined and can be liberally interpreted by a presiding judge. The CCCS Student Loan Counseling Program has been extremely successful, primarily due to the complexity of the student loan market.   Many individuals with student loans feel overwhelmed with anxiety and fear as they try to navigate options available during repayment, with some

And we keep growing! Now able to help residents in Louisiana, Washington and Hawaii  🌴  become debt free! Call 1-800-926-9685 or visit us at consumercreditbuffalo.org. Know the difference between Debt Management and Debt Settlement, and take advantage of the financial education and non-biased advice of a non-profit such as CCCS/Money Mentors. Our appointments are not consultations or a sales pitch, it is a true analysis of your unique financial situation and an honest review of what the pros and cons are to your various options to become debt free. 🤩 Louisiana 🤩 Washington 🤩 Hawaii ✔️ New York ✔️ D.C. ✔️ Oklahoma ✔️ West Virginia ✔️ North Carolina ✔️ Arkansas ✔️ Wyoming ✔️ Alaska

Get Help Now—Before You Spend Your Tax Return! Consumer Credit Counseling Service (CCCS) encourages local residents to take advantage of its financial counseling and debt management services. Issues arise because many people have poor credit—or no credit.   CCCS can help folks with a variety of financial situations through their one on one financial counseling programs. As Tax Season unfolds, it presents a great opportunity to make a commitment to improving financial affairs. Recent information reveals that a majority of Americans live in precarious financial situations.   According to the Corporation for Enterprise Development (CFED)’s Assets & Opportunity Scorecard , announcing that 51% of consumers don’t have prime credit, meaning if they can take out a loan, they are forced to do so at sometimes exorbitant rates. According to the CFED, “being unable to borrow from a mainstream lender can have devastating consequences on household family finances. One option

CCCS is growing, and hiring! Please share, resumes can be sent to robert.dunn@cccsbuffalo.org. Job Description Job Title:                      Financial Wellness Specialist                     (Full-Time) Supervisor:                         Vice President of Counseling   Summary: A Financial Wellness Specialist’s primary responsibility is to conduct counseling sessions with individuals and families regarding budgeting, debt and credit issues.   A Specialist will provide financial education and guidance while recommending various educational and community programs in order to improve clients’ financial situations.   Financial Wellness Specialist’s empower clients to take control of their financial lives, in an empathetic and compassionate manner, while always accounting for what will be in the client’s best interest based on the client’s unique situation. Financial Wellness Specialist’s also provide Counseling Intake support at the initial contact

Once again this year, Consumer Credit Counseling Service of Buffalo, Inc. (CCCS) has joined the National Foundation for Credit Counseling (NFCC) and the United States Congress in recognizing April as Financial Literacy Month. Every April, individuals and organizations across the country draw attention to the importance of financial literacy and the need for more and better financial education through a variety of activities and initiatives. During Financial Literacy Month, CCCS is maximizing the opportunity to highlight financial education by offering free financial counseling for all military members, veterans and their families. Free financial counseling is also available for all low to moderate income individuals. In addition, all Niagara County residents can receive free services at CCCS’ office in Niagara Falls at Pinnacle Community Services, 1522 Main Street and in their Lockport office at the Dale Association, 33 Ontario Street. CCCS encourages all Western New Yorkers to

We are excited to announce that CCCS of Buffalo is expanding beyond our NY borders and we are now registered to serve the following states! ✔️ New York ✔️ D.C. ✔️ Oklahoma ✔️ West Virginia ✔️ North Carolina ✔️ Arkansas ✔️ Wyoming ✔️ Alaska CCCS provides credit counseling services to those living in the above states. This involves a comprehensive and holistic overview of debt repayment options based on an individual's income and monthly expenses. Nationally certified counselors review the pros and cons of various options, including a Debt Management Plan (DMP). Through a DMP, an individual makes one monthly payment to CCCS who then will send out each individual payment to each of their creditors on a monthly basis. When enrolled in a DMP individuals likely are able to lower their interest rates and become debt free in 5 years or less. CCCS is a nonprofit agency whose counselors are looking out for their clients' best interest.  If you or someone you know is s