50 years of non profit credit counseling We Offer the Most Innovative Online Credit Card Counseling Tools in the Industry

Our services have helped over 400,000 consumers become debt free. We want to help YOU!

Start your online credit card counseling session It's quick, easy and FREE!  

Debt & Credit Counseling

Debt & Credit Counseling

Free, Easy and Confidential

Our credit counseling services are free and confidential. Our process analyzes your full financial situation, so your counselor can deliver a truly personalized solution.

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Debt Management

Debt Management

Smart Solutions from Our Experts

Are you struggling with credit card debt? Work with us to discover if a debt management program is right for you. Waive or reduce high-interest rates today!

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Bankruptcy Certificate

Bankruptcy Certificate

The Help and Guidance You Need

We’re here to help you obtain the required certificates needed in order to file or discharge your bankruptcy. Available online, by phone or in-person.

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  • About Advantage CCS

    About Advantage Consumer Credit Counseling

    Why Choose Us?

    Advantage Credit Counseling Service (CCS) is a Non-Profit Credit Counseling agency that educates consumers about debt management, bankruptcy, and how to properly manage credit. We’ve been helping people take control of their finances since 1968. As a 501(c)3 organization, our agency provides professional, meaningful and confidential consumer education, credit counseling, and develops effective debt reduction programs. We are specialists in teaching individuals about wise money management and the responsible use of credit.

    Why Should you Choose Advantage?

    To learn more about why you should choose Advantage, visit our Why Choose Us Page.

    Why Choose Us

  • Credit Counseling Services

    Credit Counseling Services
    Because we are a non-profit counseling agency, Advantage Credit Counseling Service (CCS) is 100% focused on helping you achieve debt relief. With more than 50 years of experience and the industry’s best Online Credit Counseling system, you can rest assured that not only will our certified counselors understand what you’re going through, they’ll also know how to help you uncover truly personalized solutions to improve your financial future.

    You Can Get Started Right Away

    3 Easy Ways To Conduct Your Free Counseling Session:

  • Debt Management

    Debt Management Services
    Struggling with credit card debt? Looking to get rid of those high-interest rates and collection calls from creditors? Then it’s time to call Advantage CCS. We’ll perform as your personal advocate, providing a free credit counseling session and, if applicable, a personalized debt management plan to get you out of the red and back on track.

    A Personalized Approach

    The Debt Management program that Advantage provides includes a budgeted spending plan based on your income, expenses, and lifestyle, which will help you manage the debt you have today and the money you’ll make tomorrow. Our certified credit counselors have already helped thousands of people, and now they’re ready to help you.

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  • Bankruptcy Counseling

    Bankruptcy Counseling
    If you’re one of the millions of Americans facing the difficult financial situation of bankruptcy, it’s important to know you’re not alone. Advantage CCS, a non-profit organization, is here to support you by preparing and arming you with all of the information you need to make the best decision for yourself and family.

    Our Pre-Filing Bankruptcy Counseling service will help you earn your bankruptcy certificate, and our Pre-Discharge Bankruptcy Education Class will prepare you to move on and take back control of your financial future. We’re ready to lead you through every step of the process.

    Advantage Credit Counseling is able to provide bankruptcy counseling services and issue certificates in 44 states. We are also able to provide the bankruptcy education class and issue certificates in all states except, Alabama and North Carolina. Please visit our States Serviced page for the complete list.

  • Education Resources

    Debt & Credit Education
    Advantage takes pride in helping consumers find the road to financial freedom by providing effective consumer credit counseling services and online educational information, classes and seminars. We have hundreds of credit counseling and debt consolidation related articles and tips on our website.

    Online Education Resources

    We encourage you to visit our Education Library or our Advantage Blog section today in order gain the knowledge and tools necessary to enjoy a debt free future!

  • What is a Credit Counseling Session

    What is a credit counseling session?

    What is a Credit Counseling Session?

    A Credit Counseling Session is an overview of your total financial situation, which will uncover ways to provide you with debt relief. It can be done on the telephone, online utilizing our industry-leading tool, or in-person. A certified credit counselor will review all of your income, expenses, and debts. Your counselor will then make recommendations to help you get back on track financially (one of which may be a debt management program). For additional information about our credit counseling program, click here.

    What Kind of Debts Can You Help Me Reduce?

    Our personalized Debt Management program is designed to help you reduce or eliminate debts created by major credit cards, retail store and gas cards, unsecured personal loans, medical bills and collection accounts.

    Don’t see the answer to your question? See our full list of FAQs here

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Janet – Pittsburgh, PA
"With much relief I wish to inform you that all creditors have been paid in full! Thank you for your direction and support during some very difficult times. I would certainly refer you to anyone who needs financial direction."
Todd – San Francisco, CA
"I was and am still a faithful believer in ACCS and will recommend those that I come in contact with. Thank you for being there for me. It did give me piece of mind and you gave me respect and treated me as a human being."
Heather – Albany, NY
"Just a small token of thanks to you and Advantage CCS for your professional, efficient and courteous service."