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Free & Confidential Online Credit Counseling Your Journey Toward Financial Freedom Starts Here

Whether you’re looking to get out of debt or simply curious about ways to improve your financial situation, a free credit counseling session from Advantage CCS can help you. Our certified credit counselors are standing by to analyze your situation and recommend ways to increase your income and reduce your expenses.

 

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Credit Counseling

Free & Confidential Credit Counseling
From Advantage CCS

If you’re in debt and feeling overwhelmed by your financial obligations, you’ve come to the right place. Our team of compassionate and professional credit counselors understands where you’re coming from. They have helped hundreds of thousands of people over the years, all with unique financial situations, and now they’re ready to help you. No matter your situation, the path toward your personal financial recovery and taking control of your money management habits with Advantage CCS happens like this: we listen, we analyze, and if it can help, we’ll make a debt management plan just for you.

Get Started

If you’re ready to get started right away, try our new free online credit counseling tool. It’s the most comprehensive and innovative tool in the industry.

If you prefer a one-on-one credit counseling session, you can receive counseling over the phone or meet with a credit counselor in person.

Start Your Online Credit Counseling Session


Why The Advantage CCS Approach to Credit Counseling Makes Perfect Sense:

No Cost

We’re A Non-Profit Credit Counseling Agency

For more than 40 years, Advantage CCS, a non-profit credit counseling organization, has been providing free, professional and confidential credit counseling services to people all over the country. We know that picking up the phone and making that first call to a credit counselor may seem intimidating, stressful, or even embarrassing. After working with thousands of customers throughout the years, our compassionate team of experts has developed a way to make the process as easy and stress-free as possible. We do this by always listening to you first and then providing you all of the information you need to make the best decision for yourself and family.


No Confusion

3 Easy Ways To Conduct Your Free Counseling Session:
  • Use our NEW quick and easy Online Credit Counseling System (The Best in the Industry & Most Popular Method)
  • Via telephone at: 1-866-699-2227
  • In-Person at one of our six locations

Rest assured, our counselors are certified, experienced and caring professionals who are ready to put you on a path toward financial freedom. They have worked with thousands of people from all walks of life and all income levels looking to relieve their burden of debt. You can feel comfortable that no matter your unique situation, we know what you’re going through and we know how to help. After contacting Advantage CCS, you can expect to receive a personal response from a credit counselor within one business day.


No Stress

What To Expect During Your Credit Counseling Session

It Starts With a Conversation:

First, your 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. Others like groceries or gifts can be more difficult to identify. This is an important first step because it helps your credit counselor and the online credit counseling tool determine all of your potential options to better manage your money and get your debt under control.

  • To get the most out of your free 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 examining your monthly income and comparing it with your expenses, we’ll identify any shortfalls in your budget. During this second phase of the credit counseling session, we will assist you in developing a balanced and easy-to-follow monthly spending plan.

  • Your counselor will also recommend ways to increase your income, cut back on expenses, or even restructure some of your debts.
  • In addition, your counselor may refer you to other state or national resources that may be of help.

Finally, if appropriate, your credit counselor may recommend a special Debt Management Program through Advantage CCS. We’ll help you make a plan and stick to it, so you can be well on your way toward financial recovery!

We’re Here To Help, 24/7

There’s no reason to delay another second. You can be well on your way toward a debt-free life today, while learning the money management skills to build a more secure future.

To begin your journey, call us, visit us or start using our free, state-of-the-art online credit counseling tool. We look forward to helping you reach your goals.

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