Advantage Credit Counseling Service has received approval and licensure to offer consumer credit counseling and, if applicable, a debt management program to Arizona residents who are currently in unsecured debt.
The state of Arizona has some firm consumer credit counseling laws in place to help protect consumers and make sure that ALL debt relief options meet rigorous guidelines. Advantage Credit Counseling Service has passed the application process with flying colors and received their license on August 13th, 2013.
If a company or agency is engaged in the operation of credit counseling in Arizona, they’re required to obtain an Arizona Credit Services Organization Bond to ensure compliance with Sections 44-1703 and 44-1708 of the Arizona Revised Statutes. Debt management licensure requires completion of a very thorough background check, a lengthy and complex application process, and payment of an application fee.
About Advantage Credit Counseling:
Advantage CCS is working diligently towards becoming a national agency. Each state has different laws, guidelines, and rules that must be followed to receive a license. This is a very long and time consuming process, but something that Advantage CCS feels very strongly about and we’d like an overwhelming presence in each of the 50 states before the end of this year.
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Credit Counseling Session:
During a counseling session, a certified credit counselor will ask the client some questions about their income, assets, liabilities, daily/monthly expenses, etc. and then create a budget for that client. This can also be done online using the free Online Credit Counseling System. Once this step is finished, the client will get a good look at their current financial picture.
Debt Management Plan (DMP):
Depending on the client’s financial standing and current situation, they might be a good fit for a Debt Management Plan. With a DMP the client could receive several benefits such as; lower interest rates, waived over-the-limit and/or late fees, lower monthly payment, and have their debt paid off in the quickest time possible.
Debt Relief Choices:
If you or someone you know lives in Arizona and is trying to deal with credit card debt, call Advantage CCS today. The phone call is free and confidential. We’re a Non-Profit organization that is here to help you. We’ve been assisting individuals with their unsecured debt since 1968. We’ll help you understand all of your debt relief choices and then you can decide what’s best for you.