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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DEBT MANAGEMENT TIPS

Spending limits must be realistic

Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).

Make the budget a family project. Everyone must be involved in order for it to work.

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

Refrain from using your credit to subsidize your income.