Credit counseling Center helps homeowners in Pennsylvania navigate financial crisis by providing them with financial education, budgeting advice, and debt management services. The best part? Credit Counseling Center does not charge you a penny to help you.
That means, you get free help navigating a financial crisis.
If you’re a homeowner, we can help you negotiate with your creditors to reduce interest rates, monthly payments, and even penalties – all things that can add up to overwhelming fees over time.
The Pennsylvania foreclosure diversion program is a court-supervised program that provides homeowners facing foreclosure with an opportunity to work with a housing counselor to develop a plan to save your home.
The goal of the program is to provide homeowners with the resources they need to avoid foreclosure and maintain homeownership.
We assist you in applying for the foreclosure diversion program and can help you navigate the process of participating in the program.
A housing crisis for a typically occurs when they face one or more financial difficulties that make it difficult or impossible for them to make their monthly mortgage payments.
What is a housing crisis for a homeowner?
Common causes of a housing crisis include job loss, reduction in income, medical expenses, and unexpected expenses such as home repairs.
When these difficulties result in a homeowner falling behind on their mortgage payments, they may be at risk of foreclosure, which is the legal process by which the lender can repossess the property.
A Housing crisis can also occur when you as a homeowner ends up underwater on your mortgage (meaning that you owe more on their mortgage than the current market value of their home).
This can make it difficult or impossible for you to sell your home or refinance their mortgage to reduce your monthly payments.
MaryBeth McCabe, Esq., is a Supervisor for New Britain Township, PA, and volunteers as a Mediator in the Bucks County Court of Common Pleas Foreclosure Diversion Program. She gave this recommendation for Credit Counseling Center:
“I have personally witnessed the efforts of the Credit Counseling Center’s housing counselors as they assist Pennsylvania homeowners to navigate the complex and confusing process to save their homes from foreclosure while in financial crisis. I myself advise any person in the process to call upon the services of the CCC, as very few of their clients lose their homes.”
“CCC is currently the only HUD Approved Housing Counseling Agency in Bucks County, providing housing counseling and services to consumers. Speaking also as a Township Supervisor dealing with the effects of the Covid crisis, their services are vital to our residents.” – MaryBeth McCabe, Esq.
It’s easy to get started – just give us a call today and we can answer any questions you have. It’s free!

In 2021, Paula was named Executive Director of Credit Counseling Center. She joined the organization in 2008 as a Credit Counselor and was quickly promoted to Director of Housing Counseling in 2009. Paula is a firm believer that each client is a representation of a family whose lives, financial challenges, and needs are important.
She developed and still leads the Center’s Foreclosure Prevention program; and has partnered with the Bucks County Court of Common Pleas Foreclosure Diversion Program. Her keen focus on making a positive impact in the community has generated numerous program collaborations with the United Way of Bucks County and a multitude of social service organizations in the region.
Previously, Paula served 21 on Active Duty in the US Air Force. Initially serving as a combat photographer and finishing the second half of her career as a recruiter, leading to the position of Flight Chief. Highly decorated, she has received awards from the Air Force and the Department of Defense.
An active leader in the Bucks County community, Paula donates her time annually as a board member for the annual Congressional Service Academy Nomination Interviews under the office of Congressman Brian Fitzpatrick. She is an active Chamber member in Lower Bucks, BucksMont, and Upper Bucks, advocates for financial literacy education opportunities at venues servicing low/moderate income consumers and senior citizen organizations.