About Us

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

Lynn Hoffman


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.