Credit Counseling

Free Credit Counseling Services By A Certified Credit Counselor

For more than 40 years, Advantage Credit Counseling Service has been providing free, professional and confidential credit counseling services. 

We know that picking up the phone and making that first call to a credit counselor can be unsettling.  Our certified credit counselors have worked with thousands of others that were in a situation similar to yours.  We work with people from all walks of life and all income levels.

3 easy ways to use our credit counseling services:

• Via the Telephone at 1-866-699-2227
• Via the Internet using our Online Credit Counseling
• In-Person at one of our locations

Rest assured, our certified credit counselors are experienced and caring professional who are ready to help you. 

During the credit counseling session, a counselor will work with you to get a clear understanding of your total financial situation.  This is important because it helps the credit counselor determine different options or steps you may take to better manage your money and get your credit under control. 

Credit counseling service - What to Expect:  

• First, the credit counselor will determine your net monthly income and ask you various questions that will help to estimate your monthly expenses.  Some expenses, like the monthly rent or mortgage payment are easy to determine.  But others such as groceries or gifts can be more difficult to get a handle on.
  
  • To get the most out of your credit counseling session, it may be helpful for you to review any grocery or ATM receipts you have, scan your checkbook register and do a mental inventory of items you typically spend money on throughout the year.
    
• Second, after comparing monthly income with expenses, it's not uncommon for our clients to find they have a shortfall.  To put it another way -- more month than money!  During the second phase of the counseling session, the credit counselor will assist you in developing a balanced monthly spending plan. This is the key step to getting back on track financially.
  
  • The credit counselor will recommend ways to increase your income, cut back on expenses or even restructure some of your debts.
    
  • In addition, the credit counselor may refer you to other state or national resources that may be of help.
    
• Finally, if it is appropriate, the credit counselor may recommend a special Debt Management Program to help you get back on track with your creditors and out of debt in a relatively short period of time!

Don't delay another minute.  Get debt free today for a secure future tomorrow! To begin, simply select the option that best suits your needs: Contact us at 1-866-699-2227 for an immediate credit counseling service session or to schedule an appointment.  If you prefer, use our Online Credit Counseling services in the privacy of your own home.  After completing the session, a credit counselor will follow up with you by e-mail or telephone, at your convenience, within one business day.