Consumer Credit Counseling Service of Northeastern PA is a preeminent provider of money management and family budgeting in Northeastern and Central Pennsylvania. Our Credit Counseling is a free service where we’ll teach you sound methods of managing your money so you can avoid financial problems.
Our certified credit counselors will review your household income, expenses, spending habits, and financial goals. We can teach you to live within your means, manage what you have, and save for your future. Our counselors live within the communities that they serve and are familiar with organizations that are available to help you reach your goals. Managing a household in today’s economy can be a stressful situation. Let our counselors help you get back on track financially!
Credit Counseling is free financial education, budgeting assistance, and credit/debt counseling. We will review your current financial situation including both your household budget and your total debt. We will then educate you on the many options available to you. One of those options may be a Debt Management Program and your counselor will discuss the program in-depth with you.
Who Can Benefit From Credit Counseling? –
Anyone can benefit from this free service, but it will help some more than others. If you have unpaid medical debt that seems never-ending and the bills just keep coming, counseling and a debt management program could help you eliminate that medical debt, if it’s unsecured debt. For anyone going through a possible divorce situation, it’s imperative that you have your finances in order and understand all of your assets and liabilities.
College students and recent college graduates can also benefit greatly from this service. Chances are they have racked up some credit card debt along with their student loan debt. It’s going to be difficult to pay off that credit card debt once they need to make those student loan payments. We often see recent grads who are overwhelmed. While we can’t help with the student loan debt because it’s not unsecured debt, we are able to assist with reducing other unsecured debt such as credit card debt, medical bills, personal loans, etc.
There are many reasons why someone might need counseling, such as job loss, a death in the family, excessive spending habits, gambling or substance abuse, a new baby, marriage, retirement, buying a home. The list could go on and on and on.
How Does Credit Counseling Work? –
Consumer credit counseling should always be non-stressful, educational, and very helpful. That’s what we always strive to provide to our clients. Whether you need to ease the burden of credit card debt or you simply need to develop a financial game plan, this service should be the first place you start. Most consumers who contact a credit counseling agency are inundated with debt, but others merely wish to get organized and create a monthly budget that they can follow.
You can sign up for online credit counseling, call in on the telephone, or have a face-to-face counseling session. The majority of individuals will either choose online counseling or telephone counseling because both are more convenient than the face-to-face option. No matter which way you decide to start your counseling session, you will be asked to provide information about your personal finances. It is a good idea to have your financial documents on hand such as credit card statements, utility bills, paycheck stubs, etc.
Consumer Credit Counseling Service of Northeastern Pennsylvania, Inc. (CCCS of NEPA) has been acquired by Advantage Credit Counseling Service, Inc. (Advantage CCS).
Advantage CCS is Pennsylvania’s largest credit counseling and debt management agency. CCCS of NEPA will continue to be a trusted community partner in central and northeastern Pennsylvania. The joined agencies will both continue to offer credit counseling, debt management, housing counseling, as well as bankruptcy counseling and bankruptcy education services.
Founded in 1968, Advantage CCS is headquartered in Pittsburgh, Pennsylvania with multiple office locations across the state. Advantage CCS is a Non-Profit credit counseling agency that is accredited and licensed. We are proud members of the National Foundation for Credit Counseling (NFCC) and accredited by the Council on Accreditation (COA).