1. Education
CACC provides literature, resources and consumer credit counseling to educate consumers on all aspects of their credit situation.

2. Budgets Developed
CACC works with consumers to create and develop personal budgets. CACC has developed a comprehensive budgeting program where consumers can learn how to manage their income and expenses. Our budgeting program is designed to give consumers clarity in determining how to achieve a realistic program of monthly spending.

3. Credit report review
Aside from credit card debt consolidation, we can provide you with advice, direction, and resources to help improve your credit profile. For information on obtaining your credit reports or for questions regarding credit improvement you can email us or visit our "Resources" section.

3. Debt Management Plans
We take your outstanding credit card bills and consolidate them into one monthly payment. You issue one payment per month to CACC and each of your creditors receives a portion of your monthly payments. You will still receive your billing statements from your creditors with your payments indicated, so you can monitor your payments easily. The accounts placed in the program would be closed. The benefits of the consumer credit counseling program are dramatically reduced interest rates, past due accounts brought current, and debt liquidated in the shortest possible time frame.

4. Outreach Seminars
In CACC works with many non-profit groups throughout New York State to deliver financial literacy programs at no cost to the public.

5. Public School Education
CACC works with New York public schools to deliver finacial literacy programs to students in a classroom setting.

6. Consumer Counseling
CACC offers New York consumers a resource for answers to questions regarding the many hurdles which credit and debt situations can present.

7. Educational Programs
CACC offers finacial literacy programs such as Money in Motion and Check Wise which are available in workbook form and on-line.