Welcome to the Online Financial and Bankruptcy Education Learning Portal. This site allows individual consumers to complete their Pre-filing and Pre-Discharge Bankruptcy Counseling courses, 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. The United States Trustee for Region 3 has approved CCCS of Northeastern PA Inc. to provide this Personal Financial Management Course in the districts of Middle and Western 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. 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.
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Keep an accurate record of your cash flow and expenses in order to stick to your plan.
Make the budget a family project. Everyone must be involved in order for it to work.
Act your own wage!
Look for ways of saving money on expenses and eliminating non-essential expenses (entertainment, cable, cigarettes, shopping).