Welcome to the Online Financial and Bankruptcy Education Learning Portal. This site allows individual consumers to complete their Bankruptcy Credit Counseling (Pre-Filing) and Bankruptcy Debtor Education courses (Pre-Discharge), as required by the U.S. Trustee’s Office. CCCS of Northeastern Pennsylvania Inc is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the services. CCCS of Northeastern PA Inc. is approved to provide this Personal Financial Management Course in the districts of Middle, Western and Eastern PA. If you are not filing in these districts, please exit this course and contact your attorney for the correct agency. You must have a valid e-mail address to use these courses. You will also be required to provide proof of identification to receive your certificate. These courses are designed for individual use. Joint filers can complete each course individually to receive their certificate. Or, contact CCCS of Northeastern PA Inc. at (800) 922-9537 for any alternative counseling methods. This website contains the most up to date online education that is necessary for successful filing and discharge of your bankruptcy proceedings.
Make the budget a family project. Everyone must be involved in order for it to work.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Spending limits must be realistic
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.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).