You can find a lot of fancy software and online tools to help you budget your money better. However, a lot of people find that the old-school envelope system works out the best for them. Because the envelopes are physical items with cash inside of them, it might be easier to visualize both saving and […]
Continue ReadingAuthor: Lauralynn
Lauralynn is the Online Marketing Specialist for AdvantageCCS. She enjoys writing, reading, hiking, cooking, video games, sewing, and gardening. Lauralynn has a degree in Multimedia Technologies from Pittsburgh Technical College.
2014 Tax Season and What You Need To Know
It’s a new year and many people are already anticipating the need to get their taxes in order, after all, April 15th comes pretty quick. For those who have done taxes in the past, history has shown that the folks in Washington are forever making changes to the tax laws. As with many years in […]
Continue ReadingWhat is a Form B23 and Why do I Need It?
The Bankruptcy Form B23 is essential to finish the last steps of your bankruptcy discharge. In a Chapter 7 case, the Form B23 along with your Personal Financial Management Course Certificate (pre-discharge certificate), must be filed within 45 days after the first 341(a) Meeting of Creditors has happened. In a Chapter 13 case, it must […]
Continue ReadingHow to Get out of Debt
The recent recession affected the financial lives of people all over the country. The recession led to much higher rates of unemployment and underemployment. Because of this, many people needed to rely on credit cards to meet all of their financial obligations and pay for emergencies that arose. While this may have been a good […]
Continue ReadingUnderstanding What Debt-to-Income Ratio Means
Your debt to income ratio (DTI) is a key component of how healthy your credit is. It has no effect on your actual credit score, but lenders take it into consideration when it comes to applying for a mortgage or other major loans. Lenders use the DTI ratio to help them to calculate how much […]
Continue ReadingWhite Paper: What a Certified Credit Counseling Agency Can Do For You
Even though certified credit counseling agencies can save debt-burdened individuals thousands of dollars and prevent years of financial stress, their services are underused by those who could benefit from them the most. In this white paper, find out the different ways that certified credit counseling agencies can help you and your family, whether you are […]
Continue ReadingNevada consumers get another debt relief choice
Nevada is known for slot machines, poker tables, and people running the risk of losing a lot of money at the blackjack tables. There were 16,067 slots in Nevada in 1960. In 1999 Nevada had 205,726 slot machines, that’s 1 machine for every 10 residents. It’s safe to say that some people living in Nevada […]
Continue ReadingWe’re Excited to Announce the Launch of Our Redesigned Website
Advantage CCS has some very exciting news that we would like to announce: The Agency’s website www.advantageccs.org has been completely redesigned and upgraded. This new design features HTML5 (Responsive Design), so it’s compatible with any device, i.e. desktops, laptops, netbooks, tablets, Smart TVs, and all mobile devices! The content of the website has also undergone a […]
Continue ReadingNew Hampshire residents have a new choice in debt relief
Advantage Credit Counseling Service has recently been licensed and approved to provide their expert free credit counseling and debt management program to consumers that live in the state of New Hampshire. Now that the Agency is licensed in NH, they only have 4 more states to go before they are licensed in all 50 states […]
Continue ReadingSpend Less & Save More this Holiday Season
Guest Blog Post by Katie Bryan, America Saves Communications Director In 2012, the Consumer Federation of America (CFA) and the Credit Union National Association (CUNA) found that 12% of people said they were planning to spend more during the holidays than in the previous year. That number was up from 2011 where only 8% planned […]
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