How Can We Help?
Advantage provides the counseling and education needed to make wise financial decisions, including budget, credit, bankruptcy, and housing counseling. Our debt management program is an affordable option to get out of debt. We’re a member of the National Foundation for Credit Counseling, and we have an A+ rating with the Better Business Bureau.
Reduce Credit Card Debt
Online / Over the Phone / In Person
Are you struggling with unsecured debt? Use our credit counseling service to see if a debt management program is right for you.
We Can Help
Our consumer credit counseling services are free and confidential.
- 50+Years Of Service
- $1.2 Billion Debt Eliminated
- 400k+Clients Counseled
- A+Rating With BBB
Becoming Debt Free Starts Here
If you’re struggling to make ends meet, our team of certified counselors are waiting to help you find a solutioin that’s right for you. No matter what your financial situation may be, remember you’re not alone.
What Our Clients Are Saying:
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. Janet , Pittsburgh, PA
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. Todd, San Francisco, CA
Just a small token of thanks to you and Advantage CCS for your professional, efficient and courteous service. Heather, Albany, NY
Featured Blog Post
History of Child Tax Credit The child tax credit (CTC) was created in 1997. The CTC is essentially a federal grant program. It is estimated that more than 30 million households are eligible for the CTC that requires annual distributions of funds. The IRS is the only agency equipped to handle such a huge continuing […]Read Full post
About Advantage CCS
About Advantage CCS
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.
Why Choose Advantage?
To learn more about why you should choose Advantage,About Advantage CCS
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:
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.Learn More
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.
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
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