Welcome to the Online Financial and Bankruptcy Education Learning Portal. This site allows individual consumers to complete their Bankruptcy Debtor Education (Pre-Discharge) courses as required by the U.S. Trustee’s Office, via the internet. CCCS is approved to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of an Agency’s services. To use these courses, you must have a valid e-mail address. You will also be required to provide proof of identification to receive your certificate. These courses are designed for individual use. There is a $50.00 fee for the Pre-Discharge Education Course “Live a Richer Life.” CCCS offers a fee waiver or adjustment for you if your income is under 150% of the Federal Poverty Guidelines, or if you are being represented by legal aid services. Please contact CCCS directly at (800) 922-9537 to determine your eligibility for the fee waiver. After you have registered for “Live a Richer Life” you will complete a pre-test that will assess your knowledge of credit and financial habits. Your results of the pre-test and post-test will remain strictly confidential, and will not prevent you from obtaining your Certificate of Completion. Joint filers must complete each course individually to receive their certificate. If you do not wish to complete your course online, please 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 discharge of your bankruptcy proceedings. To proceed with enrollment, choose “Enroll Now.” You will be directed to the Debtor Education Disclosure, and you must agree to the Disclosure and Terms and Conditions to proceed with enrollment.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
Make your spending habits consistent. Large expenses should be pro-rated over a period of time.
Refrain from using your credit to subsidize your income.
Make the budget a family project. Everyone must be involved in order for it to work.
Spending limits must be realistic