Debtor Education Disclosure

FINANCIAL MANAGEMENT & EDUCATION COURSE
(“Live A Richer Life”)

Welcome. You are about to register for “Live A Richer Life”. CCCS is approved to issue certificates evidencing completion of a personal financial management instructional course in compliance with the Bankruptcy Code. CCCS has been approved by EOUST to provide bankruptcy counseling and debtor education. EOUST has reviewed only the counseling services related to bankruptcy, and the agency may disclose information to them at their request. In order to assist you, it is essential that you provide us with complete and accurate information.

The “Live a Richer Life” course starts with a pre-test. You can log into and out of the course at will. The course will always return to the last log-off location. 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. CCCS will not withhold a certificate if you do not complete 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.

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. CCCS offers counseling in English and Spanish. CCCS will provide a list of agencies who can provide counseling for other non-English speaking clients.

Fee Waiver Policy: 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. 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. CCCS of Northeastern PA, Inc. does not participate in any referral agreements, or receive funds from any attorney, legal services, or banks for bankruptcy counseling.

Verification Requirements: Prior to receiving their certificate of completion, the student will be required to submit verification of identity via email to: cccsnepa@epix.net, 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 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, Consumer Credit Counseling Service of Northeastern Pa. will provide each debtor student with a certificate of completion within three (3) business days of course completion.

Counselor Certification: CCCS of Northeastern PA, Inc. has over thrity (35) years of experience in helping people with financial difficulties. We are a member of the National Foundation for Credit Counseling (“NFCC”.) Additionally, CCCS is accredited by the Council on Accreditation (“COA”) , an independent, third- party organization that reviews and monitors social service organization. The credit counselor reviewing your course materials has been trained and certified in accordance with NFCC standards.






DEBT MANAGEMENT TIPS

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.

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

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

Refrain from using your credit to subsidize your income.