If you are having difficulties making your monthly payments, or the balances on your credit cards are just not decreasing, then the Debt Management Program may be for you. Our program will allow you to pay your outstanding debt back to your creditors over a longer period of time, and in most cases, at a lower interest rate. Let our Certified Counselors contact your creditors for you and initiate an orderly repayment plan between you and your creditors. Your payments to your creditors will be consolidated into one monthly payment that you send to CCCS for disbursal each month. You will still continue to receive your statements from your creditors so that you can see your progress and watch past due amounts dissolve! Take a positive step towards becoming debt free, take the hassle out of bill paying, and stop those annoying calls and collection letters. You can feel confident that you are paying your bills each month, and re-establishing good paying habits. A low, affordable monthly fee is assessed each month but can be waived in hardship cases. Click the link below to submit your information safely and confidentially!
National Foundation for Credit Counseling
The National Foundation for Credit Counseling (NFCC), founded in 1951, is the nation’s largest and longest serving national nonprofit credit counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior and build capacity for its members to deliver the highest quality financial education and counseling services. NFCC Members annually help nearly four million consumers through close to 850 community-based offices nationwide. CCCS of Northeastern PA has been an accredited member of this community since 1978.
Deposit part of your income into a savings account to meet emergency expenses.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Refrain from using your credit to subsidize your income.
Spending limits must be realistic
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.