ATTENTION: Veterans, Current Military, & Military Families!

CCCS is proud to announce that we will be teaming up with Marywood University’s R-VETS Program offering financial education to Veterans, Military and their families! Our next session will be held Monday, Nov. 23 from 1:00 pm to 3:00 pm! Attend these sessions and improve your personal finances! Learn about shopping for credit, managing debt, ordering and reviewing your credit report and more! Call our Education Department at 570-602-2227 ext. 220 or Ashley Woodward from the R-VETS Program at 570-961-4584 to reserve your seat!

Fresh $tart to Your Finances is Here!!!!

Have you experienced difficulty handling a checking account in the past? Are you paying for money orders to pay your bills because you can’t open a checking account due to mistakes made with your previous account? Well help is here! CCCS is proud to announce that our new “Fresh $tart to Your Finances Program” will be starting on Tuesday, Nov. 3 (part 1) and Tuesday, Nov. 17(part 2) from 5:30 pm to 7:30 pm! This is a two session program and will kick off at Penn East Federal Credit Union on Davis St. in Scranton! Call our Education Department at 570-602-2227 ext. 220 or Katelyn McManamon at Penn East FCU at 570-342-2720 ext. 211 to reserve your seat!

Are you on the "Road to Financial Fitness"?

Attend the upcoming “Road to Financial Fitness” workshop and find out how to get there! Learn how to create a successful $pending plan, setting financial goals, understanding your credit report, improving your credit and more!

We will be holding this workshop on Friday, Oct. 30th from 9:30 am to 11:30 am at the Wilkes Barre Career Link, 32 E. Union St. in Wilkes Barre. Please register on-line at Please call Career Link at 570-822-1101 or stop in if you have any questions!

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.

Spending limits must be realistic

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.