CCCS of Northeastern Pennsylvania Inc is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the services. The United States Trustee for Region 3 has approved CCCS of Northeastern PA Inc to provide Bankruptcy Credit Counseling in the districts of Middle, Western and Eastern PA. If you are not filing in these districts, please exit this course and contact your attorney for the correct agency. CCCS of Northeastern Pennsylvania Inc offers several different methods of submitting your information as you prepare to file personal Bankruptcy. You can call us at (800)922-9537 and request our bankruptcy paperwork via mail. Or, choose “Start Counseling Now” to submit your information on-line. Once your information is received, a representative will call you to schedule your confidential interview with a Certified Credit Counselor. CCCS offers telephone or face to face counseling for Bankruptcy Credit Counseling. This counseling includes a personal evaluation of your financial situation, a review of alternatives to bankruptcy , and a personal budget plan. There is a $50.00 fee for Bankruptcy Credit Counseling, and payments are ONLY accepted via money order, or telephone debit.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Refrain from using your credit to subsidize your income.
Act your own wage!
Spending limits must be realistic