RethinkingDebt is proud to be a non-profit Credit Counseling Agency helping people all over New York. Over the last 40+ years, we have helped hundreds of thousands of people reclaim their financial health. We understand the challenges you face on a day to day basis.
From debt management and credit counseling to housing counseling and first-time home buyer help, we can help you build a brighter financial future.
Having financial troubles?
We are here to help.
- Are your credit cards maxed out?
- Would you like to be debt free?
- Stop calls from debt collectors?
- Trying to save money to buy a home?
We are here to help you restore your finances with these services.
Reasons to Choose RethinkingDebt - Debt Management Plans
No judgement zone
Not for profit, help people restore financial health
Community Related Programs
Meet with certified counselors
Our #1 source of referrals.
Thank you so very, very much! I can't tell you how wonderful all of you have been to work with. Your customer service is amazing and the service you provide has turned our lives around- so thank you! I can't wait until we are paid in full!
Thank you again for taking the time to speak with me today and for helping me to get my life back on track. I can't thank you enough for your support!
RethinkingDebt helped me create a plan that would allow me to pay off creditors under terms that were manageable, and this gave me some much-needed peace of mind. You provide a valuable service and I will certainly recommend you to anyone I know who needs financial counseling about debt problems."
Ken and Mary M.
Thank you SO much for helping in getting our debt bills paid!! What a great feeling! We most definitely would recommend your organization to anyone that was having money problems! Hope everyone at your office has a great and safe Christmas and that they are all paying with cash!
I just wanted to send an email to say what a great organization CCCS is. I have had great results from your service! From the very start, with my consultation with Rachel to my recent experience with Danielle, the service from the CCCS has been second to none. Their consultants have been there to answer and address every question and issue I have called about in the past year with the most courteous service. On a scale from 1 to 10, I say you're a 10+. Thank you!
I just completed 4 years of paying off a $20,000 credit card debt and I cannot thank you enough. The renegotiated rates and payments got us through a difficult time after closing a 20-year business post 9-11. We stalled for two years before using RethinkingDebt as I'm sure many people do. We didn't understand it and thought it would ruin our credit rating so we quietly suffered. Boy, were we wrong. We are so glad we came to CCCS. Thank you!
I had to take a major pay cut of about 30%. Credit card debt was a major expense that had to be addressed. I read articles on credit card debt and I think RethinkingDebt was one of the recommendations. They were extremely professional, and the recommendations, solutions, and goals made sense. I wish I would have done it earlier. I would absolutely recommend them to someone in need.
"The credit counseling experience was very positive and encouraging. We felt it was really nice to talk to someone who didn't judge us based on our financial difficulties. We also felt better after the counseling session knowing we had a plan."
"I felt like I was out of options. I had paid hundreds of dollars in credit card bills for years, always making all of my payments, but the balances weren't going anywhere. I had depended on these cards for so long, I felt powerless when all of a sudden I didn't have any. I counted on them all those years as a backup, so I was a nervous wreck. It seemed to be never-ending."
"My interest rates were high. Very high! I called the credit card companies but they would not lower them. I came to RethinkingDebt and now some of my accounts have rates as low as 5.9%!"
When I came to RethinkingDebt I was in complete shock. My husband and I were both laid-off on the same day! We were in over our heads, and creditors were constantly calling. The set-up process was so easy. I did the appointment over the phone and received the paperwork shortly after. I am so happy we found CCCS. The staff was really nice and very courteous. Any time we had questions about our account, they were addressed immediately; and if we could not receive an immediate answer we had a response within 24 hours. It feels so amazing to have our creditors off our back. Having our interest rates reduced and being able to have one convenient monthly payment, made this program so easy. I am so thankful that RethinkingDebt dealt with our creditors. I don't know how we would have gotten out of debt without you!
I would definitely recommend CCCS to someone struggling with their debt. No one ever made me feel like a deadbeat because I had to do this. I was never embarrassed to say I was on the program. It was just so great and I was doing something good for myself. I just needed a helping hand."
"It's very nice to be able to know when the money will be coming out and how much is due each month. It's very convenient that we don't have to figure out where to send all our bills each month, and it is a lot less stressful trying to budget and remember everything. In addition since being on the debt management program, we were also able to get a car loan.
"The customer service has always been very pleasant and it's never been a hassle when we have called. We also have never dreaded calling. We've had to change our payment date several times and the service we received was great!"
"This program has taken a whole lot of stress off of us. We feel like we can see a light at the end of the tunnel, as opposed to feeling like we are in quicksand."
"Well, all I needed to do was organize my living expenses and what I had for credit card debt. Then my credit counselor came up with a payment plan that I could afford."
You make one monthly payment and CCCS pays the credit cards for you. They are able to lower your interest rates and that is what really helps pay down the debt. All I have to do is watch my statements to verify payments have posted, my interest rates stay low and I am done!!
I am very happy with the program and would recommend it to others!
Mehriban Sirin, Guidance Counselor at Rochester Academy Charter School
"Thank YOU for providing this awesome program to the students. They learn, educate and earn. Learning about financial literacy is a very important step for them to be successful in their life, and in this program, they learn about it while teaching others. They are practicing different skills such as presenting, getting prepared for the presentation, finding and arranging their peers to teach, having them get interested (marketing), getting over their anxiety while presenting, etc. These are all things that many students find hard not only doing but trying. So, you motivate them to have the experience of these skills. Thank YOU!"
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