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An Organization You Can Trust

The history of our organization began over 45 years ago in Rochester, New York. In the early 1970's, the use of credit cards became a significant part of the American way of life. Unfortunately, many people got into financial trouble by borrowing too much. Our local franchise, Consumer Credit Counseling Service of Rochester, emerged in 1970 to focus on the financial wellness of families and individuals. We offered credit counseling and financial education services directly to consumers..

We are the most trusted agency in this service area and have helped hundreds of thousands of individuals and families, successfully deal with their financial difficulties over the last 50 years. We hope you seek our help if you are having financial difficulties.

RethinkingDebt is a leading provider of credit counseling, financial education and debt repayment plans.

We are a non-profit 501c(3)-community service organization that is accredited by The Council on Accreditation for Children and Family Services. RethinkingDebt is licensed by the New York State Department of Financial Services, and CCCS is a member in good standing with the Better Business Bureau and maintains an A+ rating. RethinkingDebt is a member of the National Foundation for Credit Counseling (NFCC). The NFCC is the oldest and largest non-profit organization providing credit counseling, debt consolidation services and educational programs through its member agencies.

RethinkingDebt is celebrating over 50 years of nonprofit consumer credit counseling and financial education services in New York state.

Our Philosophy

We understand the challenges you face on a day to day basis. Paying off debts can add stress to your already complicated life. That's where we come in. Our nationally certified credit counselors are trained in a variety of financial counseling areas. When you request our counseling services, you will be treated with the dignity and respect. The most important part is that we listen to you and your concerns and help you understand all of the options for managing your finances. We provide the financial education and services that can simplify your life and set you on the road to financial success.


The RethinkingDebt Leadership team has spent many years working in the credit and financial services industry. Their leadership capabilities, innovative programs, and services as well as the number of successful clients from their organization, has gained them national recognition from the NFCC. You can be confident you have the very best team, helping our clients reach their financial goals.

Jason Tracy
Christopher Camaione-Lind
Chief Administrative Officer
Karyn Rando
Director of Counseling Operations
Chad Rieflin
Director of Programs and Grants
Lisa Hochlander
Quality Assurance and Compliance Manager

We are here to help.
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Call (888) 724-2227

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