* Offer home ownership counseling and credit counseling to first time home buyers.* Provides comprehensive foreclosure prevention counseling.* Offers financial literacy classes.

Free debt, budget, credit report and housing counseling to consumers, plus information and counseling on student loans.Housing counseling: mortgage and rent delinquency foreclosure prevention first-time homebuyer reverse mortgage home equity loansDebt management (fee): bring accounts current reduce interest rate waive late and overlimit feesBonded, licensed and registered to operate in all 50 states. Accredited by the Council on Accreditation and an an official U.S. Department of Housing and Urban Development (HUD) housing counseling intermediary.

* Provides one-on-one financial counseling services. Counselors can assist with developing a plan to pay down debt, budgeting and saving to buy a car or home, improving credit score, accessing low-interest loans, and other financial issues. Counselors are located throughout the city at partner organization sites so clients can access a counselor in a convenient location. For a full list of Rochester FEC locations visit https://www.rochesterfec.org/locations. * COVID-19: During the COVID-19 pandemic the Rochester FEC counseling team is prepared to assist clients with the following: Navigating collection accounts. Calling creditors. Ongoing budget assistance. Exploring student loan options. Help developing saving habits. Educating clients of future savings & options (i.e. retirement, children's education, etc.).

* Provides information on buying a home, renting, foreclosure, credit issues and reverse mortgages.

Can provide the credit counseling and debtor education required for anyone filing for personal bankruptcy.

Offers education, counseling, and support services, including financial counseling, budgeting education, debt management and liquidation assistance, consumer advocacy and complaint resolution, and Family Subsistence Supplemental Allowance screening (FSSA).

* Provides a variety of services to ensure that residents, regardless of income, are able to sustain safe and affordable housing. Foreclosure Prevention Services - Homeowners delinquent in their mortgage payments or in jeopardy of foreclosure can receive counseling to examine their budget, explore their options and establish an action plan. Certified Counselors assist with setting up repayment plans, loan modifications, short payoffs and deed in lieu of foreclosure. There is no fee for these services. Online Homebuyer Education Classes - Provides classes online through eHome. Upon completion clients will schedule a short session with an Agency housing counselor to answer any remaining questions and receive their certificate. Rental Counseling - Provides assistance in securing rental housing or negotiating issues with their current landlord. Credit Counseling.

Limited emergency financial assistance to Tioga County, NY residents only. Job board. Financial assistance determined on case-by-case basis and may available for security deposits, emergency prescriptions, heating assistance and utilities to avoid shut-off. Offers budget counseling. Depending on donations, may have school supplies.

Offers budget and debt counseling to those who need help with budgeting, money management skills, and credit issues.

Provides home owner counseling for first time home buyers and credit counseling for all home owners.

Provides credit/debt, budget, and housing counseling free of charge to consumers throughout New York. Counselors can help an individual with: Understanding their financial situation and goals Explaining debt management options Offering recommendations for how to get out of debt Developing a personalized action plan

Our Financial Literacy Program offers a step by step FREE education financial education on what not to do, how to fix your credit, what loans to choose from, and all the opportunities available at your finger tips. The Financial Capability program identifies the obstacles that prevent people from buying, helps them develop a plan and budget, and monitors the customer's progress towards overcoming the obstacles.

* Offers consumer education and counseling for money and debt management. Debt management and consolidation Bankruptcy counseling Budget and credit counseling Financial education Foreclosure prevention counseling Reverse mortgage counseling Mortgage delinquency and default resolution counseling First-time homebuyer counselingRental counseling* Offer assistance to help low-to moderate-income clients qualify for affordable car loans with local lending partners through, Driven2Success program.

Offers one-on-one HUD approved housing counseling designed to present the basics of personal finances, to help establish good credit and/or repair bad credit, to assist participants in making the transition from renter to owner or to help resolve mortgage delinquency and/or prevent foreclosure.

Provides financial counseling which includes a review of income, expenses, and debt to create a plan for achieving financial goals. Offers tips on money management and alternatives for handling financial crisis. A wide range of education presentations, workshops and classes are available to groups of people of all ages on a wide variety of topics. The Debt Repayment Plan is licensed through the New York State Banking Department, and in addition to the financial counseling offers negotiated repayments in order to repay creditors and avoid bankruptcy. Also provides counseling for student loans.

Provides personalized financial management and budgeting education classes to assist families in asset building and work towards financial independence. Programming includes linkages to community resources, creating a budget, meal planning and grocery shopping, and home energy savings tips.

Provides financial counseling which includes a review of income, expenses, and debt to create a plan for achieving financial goals. Offers tips on money management and alternatives for handling financial crisis. A wide range of education presentations, workshops and classes are available to groups of people of all ages on a wide variety of topics. The Debt Repayment Plan is licensed through the New York State Banking Department, and in addition to the financial counseling offers negotiated repayments in order to repay creditors and avoid bankruptcy. Also provides counseling for student loans.

Provides supports and raising awareness for community families through one-on-one advocacy, and support, goal setting, budget development and individual attention as well as larger community presentations, increased access to services, and referrals to appropriate community resources.

Services include budget planning, financial education, resource referral, and debt management. Debt management is a renegotiation of the unsecured debts owed by a client with their creditors in order to get better repayment terms such as lower interest rates, waiving or reduction of fees, and re-aging of accounts in exchange for a consistent consolidated monthly payment made by the client. This is NOT a debt settlement program.

Offers free, one-on-one, professional financial counseling to the residents of Onondaga County. Focuses on improvements in credit, banking, debt, and savings. Operates through partner agency counselors located at several locations in Syracuse. Currently offering services remotely only.

Clients receive budget counseling, debt management and credit restoration services via Certified Credit Counselors. We prepare an action plan to reduce debt and improve credit scores.

Pre-purchase budget reviews and referrals to private lenders and government agencies, as well as default counseling to avoid foreclosure.

Offers one-on-one credit counseling for individuals and families in need of assistance in increasing their credit score to pre-qualify for a mortgage.

Provides rental assistance paid directly to landlord for low income families. Households that are receiving rental assistance can participate in Family Self Sufficiency to improve earning power through household budgeting and credit counseling. Families can also earn savings accounts.