Please read and agree to these terms and conditions at the bottom of the page.
Welcome. You are about to register for “Living A Richer Life”. CCCS is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. In order to assist you, it is essential that you provide us with complete and accurate information.
The “Living a Richer Life” course starts with a pre-test. At the conclusion of Chapter 11, the student’s time will be reviewed to ensure that you spent a minimum of 120 minutes completing the course.
Students will need an individual email address to enroll in the course. Payment must be made by debit/credit card. The cost of the course is $50.00. The course is offered to you without regard to your ability to pay.
You can log into and out of the course at will. The course will always return to the last log-off location. Prior to receiving their certificate of completion the student must complete the Post Test.
CCCS will not withhold a certificate if you do not complete the Post Test.
Prior to receiving their certificate of completion, the student will be required to submit verification of identity via email to: email@example.com, fax (570) 602-2239 or mail to: CCCS of Northeastern PA, Inc. 401 Laurel St, Pittston PA 18640. Examples of valid ID are: State issued Driver’s License/State ID card or Passport.
I certify that I will personally complete the education course. I understand that if I fail to comply with the identity requirements, CCCS of Northeastern PA, Inc. ® is not required to issue a certificate of completion. I understand that a counselor may be in personal contact with me if my test scores are less than favorable, and that my test scores do not impact my ability to earn a certificate. I understand that knowingly making a false or fraudulent statement or misrepresentation of my identity or completion of this course is a violation of Federal Law.
Upon completion of the course, Consumer Credit Counseling Service of Northeastern Pa. will provide each debtor student with a certificate of completion.
Deposit part of your income into a savings account to meet emergency expenses.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.