The credit union idea arose centuries ago as people worked under a common effort without thought of profit – they put out fires, harvested crops, and avoided high-priced loans by lending to one another. In the 1850’s, hard times hit Germany, and people turned to each other for help. They removed small savings from under […]
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.
Free Online Budgeting Tool from Advantage Credit Counseling Service
Learning to live on a fixed income can sometimes be a difficult transition to make. Whether you’ve gone from 2 incomes down to 1, are faced with recent job loss, or maybe retirement is the cause. Establishing a budget can help identify the resources you have to access, the responsibilities you have to pay and the expenses […]
Continue ReadingThe Importance of Consumer Debt Education
When facing crippling debt and an avalanche of past due notices, a consumer’s thoughts often turn towards bankruptcy, a seemingly traditional approach to solving ones financial difficulties in the short-term. In many cases, bankruptcy is only a temporary fix, rather than the cure. The underlying problems continue to exist even if the balance sheets are […]
Continue ReadingWhy You Should Choose a Non-Profit Credit Counseling Agency
A non-profit credit counseling agency can be an excellent choice for consumers who are struggling to pay their bills and fear their credit rating is perhaps slipping. Credit counseling can potentially stop collection calls from harassing creditors and put consumers back on track for having a good credit rating. Most people who have availed themselves […]
Continue ReadingDon’t Miss Out On Free Consumer Credit Reports
Individuals who think they are too busy to inquire about getting free consumer credit reports or that looking at their credit report at least once a year isn’t important, are missing out on something very essential to their financial health. It only takes a few minutes to request a free copy of an individual’s credit […]
Continue ReadingWhy Budgets Are So Important To Have
Budgets are very important in this day and age with the struggling economy going the way it is. You may have asked yourself before “Do I really need to create a budget?” The short and simple answer is YES! We’ll list some obvious reasons why we think budgets are so important and maybe some not […]
Continue ReadingThe Many Benefits of Online Bankruptcy Counseling (Pre-Filing Bankruptcy Certificate)
Online Bankruptcy Counseling is a pre-filing counseling session that is required for all consumers who are in the beginning stages of filing for bankruptcy relief and for those consumers who’ve not yet received a bankruptcy case number. If you have a bankruptcy case number, then you need the Bankruptcy Education session in order to get your Pre-Discharge […]
Continue ReadingAdvantage CCS wants consumers to know that the Online Budget Advisor tool is now FREE!
Advantage CCS has some very exciting news that we would like to announce: The Agency’s online Budget Advisor tool is now FREE to the public. This online budgeting analysis tool was previously available for $4.95 but Advantage Credit Counseling Service has completely gotten rid of any and all fees! The consumer can now use this […]
Continue ReadingConsumer Credit Counseling Services in California
California is one of the most stringent states when it comes to paying back loans. In California the bankruptcy process is set up against the borrower it would seem, especially if the borrower is a small business owner without enough money for a dedicated team of lawyers. If you are in serious trouble with credit […]
Continue ReadingForeclosure Prevention
Owning a home or condo can be a rewarding experience in the life of many people. While home ownership can be an emotionally rewarding experience for an individual or family, it can sometimes be difficult to manage some of the financial matters associated with home ownership. Since many people use mortgages to purchase a new […]
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