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Free Online Credit Counseling Services

The 1st Fully Integrated Online Credit Counseling System


Advantage is proud to announce the launch of our NEW intelligent decision based online credit counseling system. Our FREE online system is 100% secure, confidential and accessible 24 x 7 in the comfort of your own home. This is the first system of its kind to actually provide personalized counseling advice and propose, if appropriate, whether a debt management program (DMP) is right for you.



Why Choose Our System Over Others? Advantage Others
User input of income, expenses, creditors, assets & liabilities  ✔  ✔
System generates a 20+ page custom Action Plan (PDF)  ✔
Allows user to create a proposed budget scenario  ✔
Decision engine determines if a DMP may be right for you  ✔
If appropriate, calculates estimated DMP monthly payment  ✔
If appropriate, calculates estimated time to pay off your debt and how much interest you can save  ✔

Online Credit Counseling Benefits:

  • 100% Free With No Obligations
  • Available 24 Hours A Day, 7 Days A Week
  • Secure And Confidential
  • Reviewed by Certified Counselors

Free Debt & Credit Counseling Services Online

This proprietary online credit counseling system will guide you through step by step in order to complete the intake forms that are necessary for our system to analyze your complete financial situation. You will be asked to enter information such as your Contact Info, Income, Daily Expenses, Credit Card Debt, Assets and Liabilities.

After your current budget has been created the system automatically generates a customized Action Plan. This 20 plus page PDF document contains a full budget analysis, balance sheet and personal debt reduction recommendations, tips, suggestions and helpful resource links.


NOTE: Unlike other online credit counseling services, Advantage does not require your Social Security Number, Credit Card Account Numbers or require you to pull a Credit Report.

If the system determines that you have a shortfall (expenses are greater than your income) you will be guided through creating a Proposed Budget in order to see if there are any adjustments you are willing to make in order to balance your budget.

Once this is complete, the system will analyze the information you have provided and present a recommendation on whether a debt management program may be right for you. If the system determines that a DMP may be an option, it will provide a comparison of your current creditor payment obligations versus an estimate of what your monthly payment would be on a debt management program.

  • Current vs. Estimated DMP Monthly Payment
  • Current vs. Estimated DMP Months to get out of Debt
  • Current vs. Estimated DMP Total Interest
  • Current vs. Estimated DMP Total Amount needed to pay off Debt

Once you complete your online credit counseling session, if a debt management program is right for you, one of our certified counselors will contact you within one business day to schedule a brief, no-obligation, follow-up telephone session. The purpose of this session is to ensure that all of the information you have provided is accurate and explain the details of how the Agency’s debt management program works and whether the program is appropriate for your current situation. Additionally, he or she will explain the steps needed to begin the program.

If you have any problems or questions about our credit counseling services, please feel free to call us at 1-866-699-2227. Let Advantage Credit Counseling Services consolidate your debt and help you on the road to financial freedom.


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