CCCS News

Have you been laid off from your job recently?

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, Dec. 2, 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 http://pacareerlink.state.pa.us/ or call Career Link at 570-822-1101

Framework for "Building Your Financial House"

We are very excited to present the “Building Your Financial House” monthly series! We are offering two series, one at the Dunmore Community Room, 2012 W.Pine St., Dunmore, PA. Session 2 is Tuesday, Oct. 21, 2014 from 6:00 pm to 7:30 pm, and at the Old Forge Community Room, 25 Eisenhower Dr., Old Forge, PA. Session 2 in Old Forge is on Tuesday, Oct. 28, 2014 and is also from 6:00 pm to 7:30 pm. Session 2 is about Maximizing Your Earnings. If you missed session 1 it’s not too late to join us! 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 on the "Road to Financial Fitness?"

Have you done MyMoneyCheckUp yet? How did you fare? Attend the “Road to Financial Fitness” workshop and learn how to create a successful spending plan, establish credit, order, read and dispute a credit report and more! This workshop will be held Friday, December 12, 2014 from 9:30 am to 11:30 am at the PA Career Link, 32 E. Union St. in Wilkes Barre, PA. Please register on-line at http://www.pacareerlink.state.pa.us/! Please call our Education Department at 570-602-2227 ext. 220 or Career Link at 570-822-1101 if you have any questions. Register today and start down the “Road to Financial Fitness”!

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 sharpentoday.org 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 freecreditscore.com 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!

DEBT MANAGEMENT TIPS

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.

Review your statements regularly from your creditors while on the DMP. Report any unusual fees or activity to CCCS Operations Department, and send a copy of each of your statements every three months for official review.

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

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