named programs · 4 · from sources
What they call their work
Credit Counseling Session
One-hour session with a certified counselor to review income, expenses, and debts, and receive personalized recommendations for improving financial health, including budgeting and debt repayment strategies.
Debt Management Program
Structured plan that combines multiple unsecured debts into one affordable monthly payment, negotiates lower interest rates with creditors, and provides ongoing support to help clients become debt-free within three to five years.
Financial Education
Programs that teach financial literacy skills to individuals and students, covering budgeting, credit management, and debt reduction strategies to promote long-term financial stability.
Housing Counseling
Certified housing counselors provide guidance on foreclosure prevention, reverse mortgages, and pre-purchase homebuyer education, helping clients protect or acquire their largest financial investment.
activities · 2 groups
What they do
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Financial Coaching and Credit Counseling 4 activities
- Administer debt management plans to consolidate and reduce unsecured debtProvides debt management plans that consolidate multiple unsecured debts into a single monthly payment, negotiates reduced interest rates (as low as 6%–10%) with creditors, and distributes payments on behalf of clients. These plans are designed to eliminate most unsecured debt within three to five years without upfront fees or debt consolidation loans.
- Improve client credit standing through debt management participationFacilitates monthly updates to clients' credit reports via participating creditors during debt management programs and supports long-term credit score improvement through consistent on-time payments.
- Provide free financial counseling and credit counseling servicesOffers free online appointments and one-hour credit counseling sessions to discuss financial options, review income and expenses, and provide personalized recommendations for individuals and families experiencing financial distress. Services are available to clients in the Rochester, NY region and registered in 47 states and Washington D.C.
- Support student loan repayment planningProvides an online tool to help student loan borrowers assess eligibility for appropriate repayment plans, supporting long-term financial stability.
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First-Time Homebuyer Support Services 2 activities
- Deliver financial education programs and workshopsProvides financial literacy education to students and the public, including classes for first-time homebuyers and school-based programs integrating peer teaching and skill development. Topics include budgeting, credit, mortgage affordability, and down payment options.
- Offer foreclosure prevention and reverse mortgage counselingProvides counseling services to help homeowners avoid foreclosure and assess eligibility for reverse mortgages. These HUD-funded programs include personalized consultations to recommend measures based on individual financial situations.
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financials · form 990 · fy2025
revenue
Total revenue$5.05M
Contributions & grants$1.97M39%
Program service revenue$2.68M53%
Investment income$290K6%
Other revenue$112K
expenses
Total expenses$3.95M
Program expenses84%
Admin / overhead16%
Fundraising0%
Salaries & benefits$2.44M
Grants paid out$99K
Largest expense lineCompensation
balance sheet
Total assets$9.42M
Cash$845K
Investments$6.38M
Liabilities$1.45M
Net assets$7.97M
Liquid reserves21.9 mo
6 years on record · 2020–2025 · YoY revenue +49.5%
leadership · form 990 part vii · fy2025
Who runs it
paid leadership · 2
| Name | Title | Hours/wk | Compensation |
|---|---|---|---|
| Jason Tracy | Chief Executive Officer | 40 | $210K |
| Christopher Camaione-Lind | Chief Administrative Officer | 40 | $137K |
board members · 11
- Dr Donna Haeger — Member
- Edward Saresky — Vice Chair
- John Roman Jr — Member
- Josh Kaplan — Member
- Kory Samuels — Member
- Lee Drake — Member
- Sara Shimmel — Secretary
- Steve LaSalle — Member
- Steve Phillips — Chairman
- Steve Young — Member
- Terry Allenbrandt — Treasurer
relationships · 16
Who they work with
- AnnualCreditReport.com Partner — Directs clients to AnnualCreditReport.com to access free credit reports from Experian, TransUnion, and Equifax.
- Better Business Bureau Coalition — Member in good standing with the Better Business Bureau and maintains an A+ rating.
- Consumer Credit Counseling Service of Rochester Inc Network — Member of the national Consumer Credit Counseling Service network
- Department of Housing and Urban Development Government — Provides grant funding for foreclosure prevention and reverse mortgage counseling programs.
- Experian Partner — Cited as a source for information on how debt management programs affect credit scores.
- GreenPath Partner — Partner organization providing credit counseling and financial wellness services.
- NFCC Network — Member agency of the National Foundation for Credit Counseling (NFCC), the oldest and largest nonprofit organization in the credit counseling sector.
- National Foundation for Credit Counseling Network — Member agency of the NFCC, a national nonprofit network providing credit counseling and financial education services.
- National Foundation for Credit Counseling Network — Member of the national network of credit counseling agencies.
- New York State Department of Financial Services Government — Licensed by the New York State Department of Financial Services to provide credit counseling services.
- Rochester Academy Charter School Partner — Provides financial education programming to students through a partnership with the school.
- Spectrum News Partner — Collaborates on public education content about student loan repayment options.
- The Council on Accreditation for Children and Family Services Partner — Accredited by The Council on Accreditation for Children and Family Services.
- certified credit counselor Network — Professional affiliated with the organization who provides counseling and enrolls clients in debt management plans.
- debt management plan Partner — Works with creditors through debt management plans to negotiate lower interest rates and consolidated payments.
- financial institutions Partner — Trusted agency with many financial institutions that are more willing to work with clients when they are engaged with CCCS.
strategies · 5
How they approach the work
Named approaches extracted from this org’s sources. Where others share an approach, follow it to see the full set of orgs running it.
- Behavioral Adherence in Debt Repayment Planningmethodology: behavioral-adherence debt repaymentBy aligning debt repayment strategies (e.g., avalanche vs. snowball) with individual motivation and psychological feasibility, clients are more likely to stick to plans, because long-term success depends on behavioral sustainability rather than mathematical optimization alone.
- Client-Centered Financial Counselingmethodology: client-centered_counselingBy using non-judgmental, personalized counseling that respects client autonomy and life circumstances, individuals are more likely to engage and adhere to financial plans, because trust and dignity improve emotional well-being and behavioral follow-through.
- Debt Management Through Negotiated Creditor Termsmethodology: debt_management_through_negotiated_termsBy consolidating unsecured debt and negotiating reduced interest rates and waived fees, clients can make sustainable repayments and avoid credit damage, because structured plans lower monthly obligations and increase creditor cooperation.
- Financial Literacy as Empowerment for Long-Term Stabilitymethodology: financial-literacy-educationBy educating clients in budgeting, credit, and debt management, they gain the knowledge and confidence to make sustainable financial decisions, because understanding personal finance reduces reliance on high-cost credit and prevents future distress.
- Low-Fee and No-Upfront-Fee Access Modelmethodology: no_upfront_fee_modelBy eliminating upfront fees and keeping costs low, financially distressed individuals are more likely to access counseling services, because reducing financial and psychological barriers increases service utilization and early intervention.