
| Credit counseling organizations listed in our directory certify that they are licensed to do business in States that require such license. |
| CCCS of Buffalo, Inc. | 800-926-9685 |
| CCCS of Central New York, Inc. | 800-479-8026 |
| CCCS of Rochester, Inc. | 888-257-6917 |
| CCCS of S. New York | 800-547-5005 |
| Credit Advocate Counseling Corp. | 800-260-1809 |
| Garden State Consumer Credit Counseling | 800-992-4557 |