Helping People….Changing Lives

COI is committed to providing opportunities to get out of poverty rather than making people comfortable in poverty.  Our goal is to help people resolve crisis situations and then create realistic plans that will help people increase their income, decrease their expenses, begin saving and lower their debt.  These changes are not easy or fast, but given the opportunity, anyone can improve their situation and live the American dream.

Email or call us at 716-661-9430 (Jamestown) or 716-366-8176 (Dunkirk)
for more information on any of these services.

Personal Asset Development Services

  • Credit Counseling:  Do you have too many credit cards or are you only paying the minimum balance?  Do you have trouble paying bills on time?  Are collection agencies calling?  Can’t qualify for a bank loan?  Our trained counselors will review your credit report with you, help resolve errors and work with you and creditors to create a manageable payment plan to work your way out of trouble.  Credit Counseling services are offered for a fee of $40.00/hour.
  • Bankruptcy Counseling:  COI is certified by the US Treasury Department to provide Pre Bankruptcy Counseling and Post Bankruptcy Debtor Education required by the court when filing bankruptcy.  We provide all bankruptcy counseling confidentially and in person.  At COI you’re treated like a person, not just a number.  The counseling includes a personalized look at your finances to help you start over.  Our cost for Bankruptcy Counseling services is $50.00.  In cases where it is established that clients are unable to afford the costs for bankruptcy counseling or related financial education, COI will, on a case by case basis, provide the services at a reduced price.
  • Foreclosure Counseling:  Don’t wait until you’ve received a foreclosure notice; if you are behind or struggling to pay your mortgage on time, make an appointment to meet with one of our HUD-certified Housing Counselors.  Our foreclosure prevention services are provided free of charge to everyone.  We’ll work with you to review your situation, determine your options and navigate the confusing web of loan officers to avoid scams and foreclosure.
  • Also if you’re a homeowner at risk of default foreclosure, or displacement resulting from financial hardship caused by the COVID-19 pandemic?  The NYS Homeowner Assistance Fund (NYS HAF) may be able to help.  For more information and/or to complete an application (beginning 1/3/2022)   go to the website at  or call 1-844-776-9423 or for assistance in completing the application contact COI to schedule an appointment with the Asset Development Specialist.

To complete a foreclosure services intake and a staff person will contact you to schedule an appointment.


  • Home Appliance Loans: 

​​​Are you in need of a new appliance?  Don’t Rent-to-Own!  We may be able to help.

We offer loans for:

  • Refrigerators
  • Stoves
  • Washers
  • Dryers
  • Freezers

A rent-to-own refrigerator can cost over $80 per month and may have been rented previously to an owner that defaulted on payments.  This means you could be paying $80 per month for a used appliance!

A Home Appliance Loan from Chautauqua Opportunities is always for a new appliance with a fixed interest rate currently at 6.5%.  With our low interest rate you can get a comparable refrigerator for less than $40 per month.


  • Credit Builder Loans:

We now offer a Credit Builder Loan that can improve your credit score through on-time monthly payments.

Qualified candidates must be residents of Chautauqua County, at least 18 years old, and able to deposit a minimum of $250.