Author: Lauralynn

Lauralynn is the Online Marketing Specialist for Advantage CCS. She is married and has two young daughters. She enjoys writing, reading, hiking, cooking, video games, sewing, and gardening. Lauralynn has a degree in Multimedia Technologies from Pittsburgh Technical College.

Advance Child Tax Credit Payments: What Are They & How To Get Them

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 […]

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The Best Advice For Debt Management Program Dos And Don’ts

It’s easy to fall behind on credit card debt. Interest rates and late payment fees can keep one in a cycle of debt that feels like running on a treadmill with no end in sight. As a result, many people turn to a non-profit credit counseling service to get on a Debt Management Program (DMP). […]

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The Best Debt Management Tips & Strategies For Single Mothers

Single mothers are more likely than two-parent couples to face debt, lower credit scores, and bankruptcy. The National Bureau of Economic Research reported that single-mother households were overwhelmingly likely to face poverty. About 85% of single-parent homes are headed by women, and of all the single-parent homes, around 47% were in poverty. Between housing payments, […]

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Debt Reduction Resource: How To Reduce Credit Card Debt The Right Way

It is so easy to find yourself in debt. Whether you lost a job, are not able to pay for student loans, or are having issues keeping your house due to an adjustable rate mortgage, not having enough money on your hands can be a rather difficult situation and can quickly result in you falling […]

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15 Tips For Big Back To School Savings

Back to school sales have already begun and the summer is winding down for most kids. Every parent and teacher knows that purchasing school supplies are not usually a one-time occurrence. Over the course of a school year, the price tag of replenishing supplies can be costly. With a little researching, planning ahead, and goal […]

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Advantage CCS’s Special Interview With BadCredit.org

When Adam West from BadCredit.org reached out to me via LinkedIn and email about doing an interview to explain what Advantage CCS is all about, who we can help, and what we offer, I jumped at the chance. I’ve shared BadCredit’s blog posts and social media posts before because they offer some amazing content and […]

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Can You Have Too Much Debt?

Most families have some kind of debt at one point throughout their lives. It might be a mortgage loan, a car loan, student loans, or plain old credit card debt. Having debt isn’t always a bad thing as long as you are taking steps to pay it off in a timely manner. It’s having TOO […]

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Debt Consolidation: Tips On How To Pay Off Debt

Debt is on the minds of millions of Americans. How did it happen? How can it be managed? CAN it be managed? How does anyone get out of debt? Debt consolidation can be the source of a tremendous amount of stress and discontent. Debt can seem like a bottomless pit, impossible to get out of […]

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10 Warning Signs That You’re In Financial Trouble

Like a summer storm, financial trouble can happen without much warning. Perhaps you’re in financial trouble right now, and you have no idea. That’s why it’s so important to know and understand the most common financial warning signs of a serious problem. Some people out there don’t realize that they are one “life-changing” event away […]

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Find Out How To Conquer Your Debt Right Now

It’s a dilemma that seems to be plaguing everyone to some degree these days. Yes, we are talking about credit card debt. Millions of Americans are affected by this type of financial debt. For some, it’s just personal debt, but for others, it may be personal AND business debt. Either way, it spells bad news for the […]

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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 solution that's right for you. No matter what your financial situation may be, remember you're not alone