CONSUMER CREDIT COUNSELING SERVICE OF BUFFALO INC
40 GARDENVILLE PARKWAY NO 300, WEST SENECA, NY 14224 www.consumercreditbuffalo.org

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Organizations Filed Purposes: THE ORGANIZATION'S MISSION IS TO PROVIDE THE COMMUNITY WITH THE BEST STRATEGIES TO MASTER THEIR CREDIT.

CREDIT COUNSELING: CCCS OF BUFFALO, INC. IS PROUD TO BE THE ONLY LOCAL, NON PROFIT, CREDIT COUNSELING AGENCY IN WESTERN NEW YORK. HOWEVER, THE CREDIT COUNSELING AND DEBT MANAGEMENT INDUSTRY DOES NOT LIMIT OTHER AGENCIES FROM SERVICING OUR WESTERN NEW YORK COMMUNITY AS WELL. AS A RESULT, OUR AGENCY HAS BEEN WORKING DILIGENTLY TO EDUCATE CLIENTS ON THE DIFFERENCE BETWEEN OUR LOCAL, QUALITY SERVICES AND THE "1-800 COMPANIES" THAT MOST OFTEN TAKE ADVANTAGE OF CLIENTS AS OPPOSED TO EDUCATING THEM ON SOUND FINANCIAL RESPONSIBILITY AND CREATING FINANCIAL FREEDOMS. WE LIKE TO SAY THAT KNOWING THE DIFFERENCE BETWEEN "US AND THEM" CAN MAKE ALL THE DIFFERENCE IN A CLIENT'S DEBT REDUCTION OUTCOME. CLIENTS CAN PARTICIPATE IN A CONFIDENTIAL INTERVIEW WITH A FINANCIAL COUNSELOR TO DISCUSS, ANALYZE AND EXPLORE OPTIONS REGARDING UNSECURED DEBT. THE COUNSELOR WILL CREATE A BUDGET ANALYSIS THAT EXAMINES THE CLIENT'S FINANCIAL SITUATION AND OFFER HELPFUL SUGGESTIONS TO ACHIEVE THEIR FINANCIAL GOALS. IF A CREDITOR REPAYMENT PLAN IS SUITABLE FOR THE CLIENT, CCCS OF BUFFALO, INC. WILL WORK TO ENSURE THE CLIENT MEETS THEIR MONTHLY HOUSEHOLD AND CREDITORS EXPENSES FOR AN EXTENDED TERM. CRP PARTICIPANTS MAY SEE LOWER MONTHLY PAYMENTS AND/OR REDUCED INTEREST RATES AND FEES. 1,990 CLIENTS SERVED.

THE HOUSING PROGRAMMING PROVIDED BY CCCS OF BUFFALO OFFERS FOUR MAIN AREAS OF SERVICE. THE FIRST FOCUSES ON NFMCP FUNDING APPLIED FOR AND GRANTED THROUGH THE FEDERAL GOVERNMENT. CLIENTS RECEIVING NFMCP COUNSELING ARE ASSISTED IN AVOIDING FORECLOSURE THROUGH COMMUNICATION WITH THE LENDERS AND LEANER BUDGET RECOMMENDATIONS. THE SECOND TYPE OF HOUSING COUNSELING IS COMPREHENSIVE COUNSELING WHERE CLIENTS THAT ARE FACING MORTGAGE DELINQUENCY CAN HAVE THEIR BUDGET ASSESSED AND ACTION PLANS CREATED TO OVERCOME THE HOUSING CHALLENGE. THOROUGH FOLLOW-UP TAKES PLACE AFTER THE SESSION IN ORDER TO ENSURE CLIENTS ARE PROGRESSING POSITIVELY. THE THIRD TYPE OF HOUSING SERVICE PERFORMED IS HECM OR "REVERSE MORTGAGE". CCCS OF BUFFALO PROVIDES THE REQUIRED CERTIFICATE AFTER A CLIENT HAS PARTICIPATED IN A SESSION TO REVIEW THE OVERALL PRACTICES OF A HECM AND POSSIBLE REPERCUSSIONS. THE LAST AREA OF HOUSING SERVICE PERFORMED IS CALLED PRE-PURCHASE EDUCATION CLASSES. CCCS OFFERS A CLASS CALLED MAKE YOUR MOVE FOR FIRST TIME HOMEBUYERS THAT PROVIDES GENERAL EDUCATION REGARDING THE SEARCH, PURCHASE AND UPKEEP OF A HOME. ALL CCCS HOUSING COUNSELORS ARE CERTIFIED THROUGH THE NFCC AND HAVE TAKEN SEVERAL HUD APPROVED COURSES TO STAY ATOP OF INDUSTRY CHANGES OVER THE YEARS. CCCS OF BUFFALO HAS BEEN A HUD APPROVED HOUSING COUNSELING AGENCY SINCE 2003. 162 CLIENTS SERVED.

CREDIT EDUCATION: CCCS OF BUFFALO PRIDES ITSELF ON STRENGTHENING THE KNOWLEDGE OF OUR CLIENTS FINANCIAL LITERACY SKILLS. NATIONAL AND LOCAL STATISTICS HAVE REVEALED THAT NOW MORE THAN EVER IS THE TIME TO ASSIST AND ENCOURAGE RESPONSIBLE FINANCIAL HABITS WITHIN OUR COMMUNITIES. IN 2020, CCCS WAS PROUD TO PARTNER WITH 41 COMMUNITY AGENCIES, ATTEND 6 WELLNESS FAIRS AND SERVICE 1,725 CLIENTS THROUGH OVERALL FINANCIAL OUTREACH PROGRAMMING. PRE AND POST TEST SCORES FROM EDUCATION PROGRAMMING INCREASED BY AN AVERAGE OF 35% AFTER COMPLETION OF OUR CLASSES. IT IS OUR HONOR TO BE THE LEADING SERVICER OF FINANCIAL LITERACY IN OUR GREAT COMMUNITY.

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