Are you thinking about buying a house?

Then the HOME Program is for you! Attend the HOME Program and learn about budgeting for your new home, choosing a realtor, credit and credit reports, the mortgage process, home inspections, and more! The HOME Program will be held Thursday, May 7, 2015 from 6:00 pm to 9:00 pm at our main office in Pittston. Reserve your seat by calling 570-602-2227 ext. 220! This program is FREE and refreshments will be served!

April is Financial Literacy Month!

And as in previous years we have lots going on! Below is a schedule of our Financial Literacy Month events:
Tuesday, April 7, 2015 – Road to Financial Fitness Class Pittston Memorial Library, 47 Broad St., Pittston, PA 1:00 pm to 3:00 pm

Thursday, April 9, 2015 – Information Table Nittany Mall, State College 11:00 am to 7:00 pm

Friday, April 10, 2015 – Financial Wellness Fair Laurel Mall, Hazleton, PA 10:00 am to 2:00 pm

Wednesday, April 15, 2015 – Road to Financial Fitness Class Library Express 2nd Floor, Steamtown Mall, Scranton, PA 6:00 pm to 7:30 pm

Monday, April 20, 2015 – SenioR HELP (Learn about Reverse Mortages and Home Equity Loans) Osterhout Free Library 71 South Franklin St., Wilkes Barre, PA 2:00 pm to 3:00 pm

To reserve your seat for any of these classes please call our Education Department at 1-800-922-9537 ext. 220! Hope to see you there!

Framework for "Building Your Financial House"

We are very excited to present the “Building Your Financial House” monthly series! Our first series is quickly coming to an end! But stay tuned because we will be holding another class shortly! This program is incredible! It’s fun, interactive and most important YOU WILL LEARN things! This could be the most fun and interesting 90 minutes a month you will spend! If you or someone you know wants to move up in a rental, buy their first home or just want to Build Your own Financial House, come on by! Please call our office to register at 570-602-2227 ext. 217!

Are you working to "Sharpen Your Financial Focus"?

Have you taken advantage of our new “Sharpen Your Financial Focus” program yet? If you haven’t you are really missing out on a terrific program! Log into and take the on-line self assesment of your finances, MyMoneyCheckUp and see where you stand! Schedule your appointment and review your credit report with one of our Certified Financial Professionals! Then take advantage of either a financial workshop or schedule a follow-up appointment to see how you’re doing!

Plus, if you take the MyMoneyCheckUp financial assessment and visit with one of our Certified Financial Professionals, you could take advantage of Experian’s program FREE for 12 months! That’s a year of unlimited access to your credit report and score, calculators, articles on credit, free Credit Monitoring, all kinds of bells and whistles! Plus they have just added a new “Alerts on the Go” app!

And it’s all FREE!!!!!!! So what are you waiting for?! Do the MyMoneyCheckUp assessment, schedule your appointment and start to “Sharpen Your Financial Focus” today!

Refer-A-Friend Program

CCCS has instituted a Refer-A-Friend program for all active DMP clients. When you refer a friend/family member to the program, and if they enroll successfully on the DMP, your maintenance fee will be waived for three months. Please see our Winter 2011 “Consumer Connection” for more details or call (800)922-9537 to receive your coupon in the mail. Only one referral per client.

Consumer Credit Counseling Service of Northeastern PA is on Facebook!

CCCS is on Facebook! Mark us as a favorite, and keep up with the latest credit and housing news!

Notes from CCCS

CCCS is a non-profit 501c3 based in Northeastern Pennsylvania but serving clients across the region and state. Our certified, highly trained counselors have a unique knowledge of credit and housing issues. We are local to your community and have extensive experience with all the resources available to consumers. We are a member of the National Foundation for Credit Counseling, HUD and PHFA certified to provide pre-purchase and post-purchase housing counseling and certified with the Council on Accreditation. We provide Bankruptcy Credit Counseling and Bankruptcy Debtor Education throughout Pennsylvania. We are a United Way Agency, and licensed with the PA Dept of Banking. When choosing a Debt Management or Counseling Agency, choose carefully, and choose the agency that will put the client first!


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

Refrain from using your credit to subsidize your income.

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

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.