SERVICES

• FREE Budget Counseling
• Debt Management and Repayment
• Credit Report Review
• Housing Counseling
• Educational Programs
• Employer Assistance Program
• Bankruptcy Credit Counseling
• Bankruptcy Debtor Education

October 20th - 27th is "Protect Your Identity Week"!

IDENTITY THEFT is perpetrated by dumpster divers, shoulder surfers, online predators, and social media, and it devastates the credit and finances of millions of Americans every year. To learn how to prevent this crime and overcome its effects, join us for CCCS of NE PA’s “Protect Your Identity Week” festivities.
• “Avoid ID Theft” workshop will be held on Wednesday, Oct. 24th from 3:00 pm to 4:00 pm at the Osterhout Library in Wilkes Barre. This workshop is being presented by the Bureau of Consumer Protection. Please call to register.
• A Protect Your Identity Fair will take place at the Steamtown Mall in Scranton in Center Court on Friday, October 26th from 10:00 am to 2:00 pm. Along with CCCS come speak to the experts about how to avoid becoming a victim of Identity Theft! Stay for an “Avoid ID Theft” presentation at 11:30 am by the Bureau of Consumer Protection!
• FREE document shredding on Saturday, Oct. 27th from 10:00 am to 2:00 pm for individuals to properly dispose of sensitive documents. Shredding is courtesy of Cintas and will take place in the garden center parking lot of the Pittston Kmart on the Pittston By-Pass (to the left of the store).
Join us for these FREE events! All events are open to the public. For more information call 570-602-2227 ext. 220 or 1-800-922-9537 ext. 220.

Have you been laid off from your job?

Have you been laid off from your job? Is it getting harder and harder to manage financially? Come to the “Surviving a Layoff” workshop to learn how to survive on a reduced income, 401K tips, why you need to order your credit report NOW, avoiding foreclosure, $urvival tips, planning for the future and more! Please register on-line at http://www.pacareerlink.state.pa.us/! Please call Career Link at 570-822-1101 or stop in the Career Link Office at 32 E. Union St. in Wilkes Barre for further questions! This workshop is being held approximately every other Tuesday at the Wilkes Barre Career Link. The next one will be held Tuesday, August 28, 2012 from 1:00 pm to 2:00 pm. This workshop is FREE and is being funded by the United Way of Wyoming Valley.

HEMAP is back!

HEMAP (Homeowner’s Emergency Mortgage Assistance Program) is back! If you or someone you know is in danger of losing their home due to circumstances beyond their control, and are two consecutive months past due on the mortgage payment, this valuable program is back up and running! We are now making appointments for this service! Please call our office at 1-800-922-9537 to set up an appointment!

Independent Foreclosure Review Program

If your primary residence was involved in a foreclosure process between Jan.1, 2009 and December 31, 2010, you may qualify for a FREE Independent Review of your mortgage documents and foreclosure process.
Eligible customers were mailed letters several months ago notifying them of this review process. As long as you were served foreclosure papers between that specified time you may qualify for this review. However, there are 14 different lenders that are participating in this program. If you have not worked with one of these fourteen lenders, you cannot apply. If you have sold the property, brought the mortgage current or even gave the property back to the lender, and your mortgage was held by any of these lenders, you can still be considered for this review.
The IFR review team will determine if individual borrowers are eligible to receive compensation for errors that may have occurred as a result of the foreclosure process. This is a free review, and you should not have to compensate ANYONE to have the paperwork completed. Don’t hesitate! If you believe you meet the general qualification, please call CCCS at (800) 922-9537 for specific lender information and to set up an appointment for assistance.