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! Financial Literacy Month is the perfect time to start! 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!

April is Financial Literacy Month!

In observance of Financial Literacy Month we have several events taking place:
Thursday, April 10, 2014 – Nittany Mall, State College (near The Gap/JC Penney’s) Information table, 11:00 am to 7:00 pm

Friday, April 11, 2014 – Osterhout Free Library, 71 S. Franklin St., Wilkes Barre Road to Financial Fitness Workshop, 1:00 pm – 2:00 pm Please call Information Services at 570-821-1959 to reserve your seat!

Monday, April 14, 2014 – King’s College, Sheehy Farmer Campus Center Information Table 10:00 am – 6:00 pm

Friday, April 25, 2014 – Laurel Mall, Hazleton Financial Wellness Fair, 10:00 am – 2:00 pm Come speak to the experts on credit and credit reports, protecting your hard earned $$$ and other services that are available to you to help you “Sharpen Your Financial Focus”!

Tuesday, April 29, 2014 – Albright Memorial Library, Community Room 500 Vine St. Scranton Road to Financial Fitness Workshop,6:00 pm-8:00 pm Please call Elizabeth Davis at 570-348-3000 ext. 3050 or register on-line at to reserve your seat!

We hope to see you there!

Have you been laid off from your job?

Have you been laid off from your job? Is it getting harder and harder to manage financially? Attend the “Surviving a Layoff” workshop and learn some tips and tricks to surviving on a reduced income, 401K tips, why you need to order your credit report NOW, avoiding foreclosure and more! This workshop will be held on Tuesday, April 22, 2014 from 1:00 pm to 2:00 pm at the Wilkes Barre Career Link, 32 E. Union St. in Wilkes Barre. Please register on-line at or call Career Link at 570-822-1101

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!


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

Refrain from using your credit to subsidize your income.

Spending limits must be realistic

No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.

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