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Counseling
Consumer Credit
Counseling Service of Central Pennsylvania
Debt problems?
Each year thousands of people
confront money problems, which may arise from loss of a job, lack
of money management, or overuse of credit. Families from all walks
of life, income levels, and financial issues come to Consumer Credit
Counseling Services(CCCS) for help. CCCS of Central Pennsylvania
is part of a network of over 170 non-profit organizations throughout
the U.S., Canada and Puerto Rico dedicated to helping individuals
find their way back to financial health. Nationally, we are represented
by our trade association the National Foundation for Consumer Credit
(NFCC).
CCCS offers three services to
help families get control of their finances and free of financial
worries.
Budget Counseling:
Tabor’s certified counselors first arrange an appointment
to assess the families’ financial situation by reviewing their
income and expenses. At the interview, a counselor will analyze
personal financial data, such as monthly income, spending and saving
patterns, and give advice on efficient money management methods.
If needed, the counselor will develop a debt management plan to
enable the client to repay creditors. From there, our counselors
help the families stick to their goals and work toward financial
stability.
Debt Management Program:
A DMP is short for a debt management plan. In the event that a DMP
is possible and appropriate, CCCS will undertake to negotiate a
restructured debt repayment plan with the client’s creditors.
Based on the information provided in the initial interview, proposals
are sent to each creditor explaining the situation and asking for
cooperation in the orderly repayment of the debt. The client then
sends a payment to CCCS each month for distribution to those creditors.
Budget Education:
CCCS is as concerned with preventing financial problems as it is
with solving present issues. Many families that find themselves
in financial debt have not formed healthy budgeting habits. CCCS
seeks to improve families’ economic health by educating them
on behavioral and financial aspects of financial management through
seminars and individual counseling.
For more information on Consumer
Credit Counseling Services, call 717.397.5182 or email us at CCCS@tabornet.org.
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