About Us

Michelle EmmiMichelle Emmi
01:22 06 Sep 23
Parachute Credit Counseling is a great resource to help consolidate your student loans. Lisa was a huge help! The staff was very helpful and very knowledgeable. This company is a safe one!
Angel BroniszewskiAngel Broniszewski
14:31 05 Sep 23
I worked with Stacey. She was very responsive, helpful and answered all my questions in a timely matter. I am now on track to paying all my debt off a lot sooner then I could on my own.
sara burtissara burtis
13:29 30 Aug 23
I have nothing but amazing things to say about my experience with Parachute Credit Counseling. After years of struggling with debt, I made the choice to seek out help and support on my journey towards becoming debt free. From the moment I connected with my counselor, Stacey, I have felt seen, heard and understood. The process has been tremendously smooth and easy. Stacey is super responsive and always answers any questions that I have thoroughly. I feel accepted-- not judged at all, and it means so much to me. If you're feeling lost and overwhelmed, there is help out there, I promise! I highly, HIGHLY, recommend working with Parachute Credit Counseling.
Heather LibrockHeather Librock
14:11 25 Aug 23
I have nothing but great things to see about Parachute Credit Counseling. Stacey was helpful, kind, judgment free and truly made me feel so comfortable talking about a tricky subject. I’m so glad I took this step to begin working with Stacey. I could not recommend them more!
Theresa CummingsTheresa Cummings
19:08 17 Aug 23
After my experience with Ms. Stacey Robb I highly recommend Parachute Credit Counseling this lady not only help me helped understand the best way to repair my situation but helped me regain my peace of mind thank you Stacey
Jennifer RobbJennifer Robb
03:16 18 Jul 23
Today I had my student loan counseling session with Lisa. With all the new laws and changes that have been happening, I knew I needed to talk with someone who is knowledgeable about this and could really look closely at my student loan situation. Lisa was super professional, knowledgeable about the most up to date information about student loans, and looked at different scenarios with me in detail to ensure the repayment plan I am on will be the best choice for me, once repayment starts in September. She explained any items to watch for and answered my questions about possible forgiveness and what would qualify. Thanks so much to Parachute and Lisa for the in depth review- much appreciated! 🙂
Ry FeldRy Feld
23:26 11 Jul 23
Friendly staff who work with you to solve debt issues. I had outstanding credit card debt that I couldn’t put a dent in because I was a broke, fresh out of college kid barely making ends meet, and unfortunately credit cards were the only way to keep myself afloat. Parachute (formerly CCCS) negotiated a payment plan and I am about to finish the last month in my 5 year payment plan and I am so thrilled to finally be debt free! If you’re suffering under the crippling weight of debt, call Parachute. They have helped lift a massive weight off my shoulders and they can help you too!
Jennifer GaetanoJennifer Gaetano
21:00 28 Jun 23
always well taken care and answered all myquestions
Kayla DouglasKayla Douglas
15:13 28 Jun 23
Lisa from the student loan counseling services was so wonderful! She was kind, knowledgeable, and understanding. I appreciate how she answered all of my questions and helped me through understanding my student loans in a better way! She was completely helpful and caring! I highly recommend Parachute Credit Counseling Inc. to anyone! Thank you so much, Lisa and everyone at Parachute for helping me. You are all so wonderful!
Bailey BrouillardBailey Brouillard
15:08 20 Jun 23
I worked with Lisa for both student loan repayment and personal budgeting. She was so kind and knowledgeable in her field. Lisa was able to explain the loan options for me and help me choose the best option for me and my situation. All the stress I felt was lifted with just one meeting!Lisa was so amazing with my student loans that I came back to her for personal budgeting. She was able to unscramble my brain and help the numbers make sense! Lisa provided various strategies for keeping my personal finances in order that were very realistic and simple.I appreciate the service that Parachute Credit Counseling was able to provide. I will absolutely be back and refer their services to everyone I know who can benefit from this extraordinary resource.
Laura JordanLaura Jordan
18:02 16 May 23
I've been in debt constantly since about the middle of 2021 due to cancer and loss of income. Stacey Robb was wonderful and helped me by putting together a debt management plan that worked for me and my creditors. I'll be able to pay them off in five years. I'm really looking forward to working with Parachute to pay off my debts and finally be debt free.

Our Mission

We provide our community with the best strategies to master their credit.

Our Vision

We are the most recognized financial counseling Agency in our community that minimizes the stigma associated with debt.

Why partner with Parachute?


Bring financial education and credit counseling services to the workplace. Support your employees with an invaluable financial wellness benefit.

Banks and Credit Unions

Reinvest in your customers and members. Help them achieve their financial goals.

Community-based Organizations

Collaborate with a like-minded partner. Address community financial education needs through innovation and commitment.


Introduce financial education to your students at an early age. Empower and equip young people with the financial knowledge and skills to better position them for the future.

Parachute Credentials

  • Proud member of the National Foundation for Credit Counseling
  • Accredited by the Council on Accreditation of Services for Families & Children (COA), Inc.
  • Certified HUD Counseling Agency and subject to stringent industry quality standards
  • A+ member of the Better Business Bureau
  • Licensed budget planner through the NYS Department of Financial Services
  • Approved by the Executive Office of the U.S Trustees to provide certified bankruptcy counseling sessions

Company Values


We are honest and confidential while providing consistently high quality service.


We provide a unique service within a comfortable atmosphere that respects the needs of our community.


We educate the community we serve and provide resources to achieve success.


We maintain superior services through creative teamwork and modern technology.


Noelle Carter

President & Chief Executive Officer

Scott Laughlin

Executive Vice President

Robert Dunn

Vice President – Counseling

Mark Twarog

Vice President – Information Technology

Meet the Team

Lisa Frankenberger

Manager of Counseling Services

Sonya Singletary

Financial Counselor

Jared Buckner

Financial Counselor

Michael Florczak

Financial Counselor

Jim Ingham

Financial Counselor

Therese Melchiorre

Financial Counselor

Stacey Robb

Financial Counselor

Lyn Marie Balla

Accounting Manager

Jaime Bergeron

Counseling Intake Specialist

Nicole Haim

Financial Wellness Specialist

Krysten Bell

Client Support Specialist

Janet Webb

Client Support Specialist

Christie Maiola

Client Support Specialist

Patty Ann Baker

Client Support Specialist

Libby Morsheimer

Community Outreach Specialist

Lynn Hoffman


Barbara Twarog


Board of Directors

Noelle Carter

President and Chief Executive Officer

Kathryn Q. Lewis

Board Member
Chief Compliance Officer – Five Star Bank

Marylou Borowiak

Board Member
Community Leader

Steven C. Dolan

Board Member
Customer Communications Manager, Senior VP – M&T Bank

DeAnna Eason

Board Member
Executive Director – Housing Opportunities Made Equal (HOME)

Anthony F. Gutowski

Vice President – Commercial Relationship Manager, Evans Bank N.A.

Bonnie Kell

Area Retail Leader – KeyBank

Nancy L. LaTulip

Board Chair
Vice President – Retail Banking Officer, Lake Shore Savings Bank (Retired)

Ramon Morales

Board Member
Relationship Manager – Broadview FCU

Joseph M. Morrison

Vice Chair
Executive VP, Head of Customer Asset Management – M&T Bank

Catherine M. Roberts

Board Member
President & Chief Officer – Resource Council of WNY

Funding Sources

Consumer Credit Counseling Service of Buffalo Inc.

Designated as a 501(c)3 organization by the Internal Revenue Service. This designation means that we have a voluntary Board of Directors and that there are no shareholders. Therefore, all earnings are used to provide and maintain the delivery of our program services to you, after operational expenses.

990 Form

We believe in being open with the community we serve. Access our 990 form here for information on Parachute’s finances.


If you would like to make a contribution to our agency, we welcome any and all participation.

All contributions to us are 100% tax deductible and a receipt will be provided. Your gift can also be designated for a certain program that we offer, such as education.