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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!
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
Make the budget a family project. Everyone must be involved in order for it to work.
Act your own wage!
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.