Debtor Education Disclosure

(“Live A Richer Life”)

Welcome. You are about to register for “Live A Richer Life”. CCCS is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services. The Executive Office for United States Trustee (EOUST) has reviewed CCCS of Northeastern PA’s instructional course and it’s services as a Bankruptcy Pre-Filing credit counseling provider. EOUST has neither reviewed nor approved any other services CCCS provides to consumers. CCCS may disclose debtor information to the United States Trustee in connection with the United States Trustee’s oversight of the agency, or during the course of investigation of complaints, during on-site visits, or during quality of service reviews

Registration requirements: Each student will need an individual email address to enroll in the course. You will also need your Bankruptcy Case Number to complete registration for “Live a Richer Life.” The Bankruptcy Case number will be provided on your court documents.

Fee Waiver Policy: Payment must be made by debit/credit card. The cost of the course is $50.00. CCCS will offer a reduction in fee or waiver of fee if your income is under 150% of the Federal Poverty Guidelines. Please call CCCS at (800) 922-9537 to receive a voucher after verification of income has been established. If you are being represented pro-bono by your area Legal Services or an attorney, your fee for this course will be waived. . You should contact CCCS of Northeastern PA, Inc. to determine eligibility. CCCS will not deny counseling to any client if they can demonstrate an inability to pay, due to income level or hardship.

Taking the Course: The “Live a Richer Life” course starts with a pre-test. At the conclusion of Chapter 12, the student will complete a post-test, and the student’s time will be reviewed to ensure that you spent a minimum of 120 minutes completing the course. 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 (Chapter 12). CCCS will not withhold a certificate if you do not pass the Post Test. CCCS counselors do reserve the right to contact the student to review the test content and score, and answer any questions you may have.

Verification Requirements: Prior to receiving their certificate of completion, the student will be required to submit verification of identity via email to:, 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.

Certification: By entering your name and last four (4) digits of your State ID, you certify that you will personally complete the education course. You understand that if you fail to comply with the identity requirements, CCCS of Northeastern PA, Inc. is not required to issue a certificate of completion. You understand that in order to receive the certificate, you must complete the course in its entirety. You understand that a counselor may be in personal contact with you if your test scores are less than favorable, and that your test scores do not impact your ability to earn a certificate. You understand that knowingly making a false or fraudulent statement or misrepresentation of your identity or completion of this course is a violation of Federal Law.

Receiving your Certificate: Upon completion of the course, CCCS of Northeastern Pa. will provide each debtor student with a certificate of completion within three (3) business days.


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

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

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.

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