Should you file for Bankruptcy?

talking over finances

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 accepted via money order, or telephone debit. CCCS offers a fee waiver or adjustment if your income is under 150% of the Federal Poverty Guidelines. Please contact CCCS directly at (800) 922-9537 to determine your eligibility for the fee waiver.

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Make your spending habits consistent. Large expenses should be pro-rated over a period of time.

No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.

Deposit part of your income into a savings account to meet emergency expenses.

Review your statements regularly from your creditors while on the DMP. Report any unusual fees or activity to CCCS Operations Department, and send a copy of each of your statements every three months for official review.

Keep an accurate record of your cash flow and expenses in order to stick to your plan.