Consumer Credit Counseling Service of Central New York ®, Inc. (CCCS) is your solution to budgeting, credit and debt problems. Since 1972, we have been helping people just like you take control of their money and get on the right track to financial stability.

• Call us now at 800-479-6026 for an in-person or telephone appointment ,
• Use our One to One free online counseling by clicking the One to One button below.
• Or when One to One is offline, click here to enter information for free debt counseling and a CCCS counselor will email or call you in 48 business hours.

We are a non-profit, 501(c)(3) agency. We are licensed by the New York State Banking Department as a Budget Planner. We are approved by the US Department of Housing and Urban Development as a Comprehensive Housing Counseling Agency. We are a member-affiliate of the National Foundation for Credit Counseling and we maintain accreditation through the Council on Accreditation.

Our services are available to all who seek them. There are no income qualifying guidelines for our free financial counseling. Consumers who participate in our Debt Management Program must have financial resources sufficient to meet basic living expenses and provide funds for debt repayment.

All CCCS counselors are required to take and pass certification examinations, and maintain those certifications in financial counseling, housing, bankruptcy and the Fair Credit Reporting Act.