CCCS of Northeastern Pa. Inc., Inc. is committed to assuring the privacy of individuals and/or families who have contacted us for assistance. We assure you that all information shared both orally and in writing will be managed within legal and ethical considerations. Your “personal financial information,” such as your total debt information, income, living expenses and personal information concerning your financial circumstances, will be provided to creditors and possibly others with your specific authorization.
We may also use aggregated case file information for the purpose of evaluating our services, gathering valuable research information and designing future programs. Your anonymity will be maintained through the use of your client number or by using aggregate data in all circumstances.
In all other situation, your information may be released to appropriate individuals or agencies ONLY UPON YOUR WRITTEN REQUEST or when our staff has been served by a valid subpoena.
The following privacy practices detail circumstances under which we will release your information to a third party:
No more than 25% of your monthly income should go towards installment debt – credit cards, loans, car payments, etc.
Know your priorites. Allot enough income for the essentials (shelter, utilities, food, medical, savings).
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.
Refrain from using your credit to subsidize your income.