50 years of non profit credit counseling We Offer the Most Innovative Online Credit Card Counseling Tools in the Industry

Our services have helped over 400,000 consumers become debt free. We want to help YOU!

Start your online credit card counseling session It's quick, easy and FREE!  
50 Years of Non-Profit Credit Counseling We Offer the Most Innovative Online Credit Counseling Tools in the Industry

Our services have helped well over 400,000 consumers become debt free. We want to help YOU!

 
Overcome the Financial Challenges of Home Ownership

We can help you achieve your dream of home ownership with our three Housing Counseling Services: First-time Home Buying, Foreclosure Prevention, & Reverse Mortgages.

 
Get counseling by phone: (866) 699-2227
 
Debt Management Program FAQs

Whether you are overwhelmed with debt or just trying to get organized and create a budget, a Debt Management Program may be the solution.

 

GET ONLINE COUNSELING NOW

It's Quick, Easy, and FREE!
 
Get counseling by phone: (866) 699-2227
How Do Debt Management Programs Work?

How does a Debt Management Program actually work? You can use this as a guide to understand exactly how this program works and what you can expect when you sign up.

 

GET ONLINE COUNSELING NOW

It's Quick, Easy, and FREE!
 
Get counseling by phone: (866) 699-2227
Who Could Benefit From A Debt Management Program?

If you’re struggling with credit card debt or any other unsecured debt, then a Debt Management Program might be a practical and welcoming option for you.

 

GET ONLINE COUNSELING NOW

It's Quick, Easy, and FREE!
 
Get counseling by phone: (866) 699-2227
How Does Credit Counseling Work?

Whether you are overwhelmed with debt or just trying to get organized and create a budget, Credit Counseling may be the solution. Learn about how Credit Counseling works.

 

GET ONLINE COUNSELING NOW

It's Quick, Easy, and FREE!
 
Get counseling by phone: (866) 699-2227
Your Credit Counseling Questions: Answered

Our Credit Counseling FAQ objectively addresses all of the common questions we receive about credit counseling.

 

GET ONLINE COUNSELING NOW

It's Quick, Easy, and FREE!
 
Get counseling by phone: (866) 699-2227
Who Needs Credit Counseling?

Credit Counseling can be helpful if you're overwhelmed with debt or if you are just trying to organize your expenses and create a budget. Learn more about why you may need Credit Counseling.

 

GET ONLINE COUNSELING NOW

It's Quick, Easy, and FREE!
     
Get counseling by phone: (866) 699-2227
Becoming Debt Free Starts Here! Get Free Credit Counseling Online:
  • Available 24/7
  • 100% Secure & Confidential
  • Find Out if a Debt Management Plan is Right For You
  • Bonus: Personalized Get Out of Debt Plan
Overwhelmed by Credit Card Debt? Advantage’s Debt Management Program Can Help You:
  • Waive Or Reduce High Interest Rates
  • Eliminate Late And Over-Limit Fees
  • Consolidate Monthly Payments
  • Stop Collection Calls
We Get Debt℠ We Offer Credit Counseling & Debt Management Services

Our team of certified counselors is here to help you find a solution to your credit card debt. No matter what your financial situation is, it’s important to know you’re not alone.

 

GET ONLINE COUNSELING NOW

It's Quick, Easy, and FREE!

Get counseling by phone: (866) 699-2227
Need A Bankruptcy Certificate? Counseling Available Online, By Phone or In-Person:
  • Pre-Filing Bankruptcy Credit Counseling
  • Pre-Discharge Bankruptcy Education Course
  • Receive Certificates Upon Completion
Need Housing Counseling? Advantage Offers Non-Profit Counseling For:
  • Foreclosure Prevention
  • Pre-Purchase
  • Reverse Mortgage
Credit Reports Can Be Confusing! Advantage’s Credit Report Review Service Includes:
  • Understanding Your Credit Report And Credit History
  • Obtaining Your FICO Credit Score
  • Learning How to Correct Errors
  • Suggestions On Improving Your Credit Standing
Pre-Filing Bankruptcy Counseling A Fresh Financial Start Is Within Reach.

Advantage CCS is a non-profit agency with over 45 years experience and is approved by the Executive Office of the United States Trustees to Issue Bankruptcy Certificates.

 

START A COUNSELING SESSION NOW

 
Get counseling by phone: (866) 699-2227
Pre-Discharge Bankruptcy Course You’re One Step Away From Being Financially Free

If you’re nearing the end of your bankruptcy, Advantage CCS provides the tools and education needed to feel confident at managing your money better than ever before.

 

START ONLINE COURSE NOW

 
Schedule a class: (866) 699-2227
Debt Management Plan Say “Goodbye” To Debt & “Hello” To Financial Freedom

If you’re struggling with credit card debt, our program may be the solution you’ve been looking for. Let Advantage CCS help you eliminate your financial stress.

 

SEE IF YOU QUALIFY NOW

It's Quick, Easy, and FREE!
 
Get counseling by phone: (866) 699-2227
America's Top Credit Counseling Better Business Bureau A+ Rating. Helping Consumers for 50 Years.

Whether you’re looking to get out of debt or simply curious about ways to improve your financial situation, a free credit counseling session from Advantage CCS can help.

 

START A COUNSELING SESSION NOW

It's Quick, Easy, and FREE!
 
Get counseling by phone: (866) 699-2227

How Does Credit Counseling Work?

Whether you want to ease the burden of unsecured debt or you merely want to develop a realistic household budget, credit counseling should be the first place you start! Most individuals that contact a credit counseling agency are overwhelmed with credit card debt, but others simply wish to get organized and create a budget.

Below is the Process or Steps in a Credit Counseling Session so you can be totally prepared, and take full advantage of the advice and suggestions that you’ll receive to help you get out of debt.

Step 1 – Sign Up:

Sign up for online credit counseling, call in for an over-the-phone session, or meet with a credit counselor in person. The majority of people will either choose counseling online or by phone because it’s more convenient.

When you start your counseling session you will be asked to provide important information about your personal finances. It’s good to have your financial documents on hand such as credit card statements, utility bills, pay stubs, etc.

You’ll be asked to supply creditor information such as credit cards, retail store revolving accounts, student loans, finance company loans, collection agency accounts, and medical debts. This information is needed to create a complete financial overview, a realistic budget, and a customized Action Plan tailored to your specific situation. A typical credit counseling session usually takes around an hour to complete.

Step 2 – Provide Financial Information:

When going through your credit counseling session whether it’s in-person, online or over the telephone some of the topics that will be discussed are:

  • Personal information such as your full name and contact info.
  • Preliminary information (general information) like your marital status and date of birth.
  • Sources of income.
  • Expenses related to housing.
  • Expenses related to food and clothing.
  • Vehicle and Transportation related costs.
  • Monthly insurance and medical expenses including prescriptions.
  • Other miscellaneous expenses such as childcare, entertainment, gym membership, donations, gifts, etc.
  • Any savings and retirement contributions.
  • Information about each of your unsecured creditors such as total outstanding balances, minimum monthly payments, and interest rates.
  • Additional financial obligations such as student loans or personal loans.
  • Any additional comments about your current situation like how or why you got into debt, or what you hope to achieve from a counseling session.

These types of things must be discussed with your credit counselor because they can’t help you get out of debt unless they know how you got there in the first place. So, even though these things may be of a sensitive nature it’s important to discuss them with your counselor. Advantage’s certified credit counselors are very friendly, non-judgmental, and understanding. You are in safe hands!

Step 3 – Review & Assess Your Situation:

After all information has been collected and reviewed, you’ll be presented with a detailed summary of your current household budget. You’ll examine this budget to see if you have extra money left over at the end of each month or if you have a “shortfall” and there’s NO money left over.

Once you’ve looked at your budget and assessed the situation, you’ll then move on to review your customized Action Plan. Within the Action Plan, you may be able to see some places where you can make some cut-backs or find opportunities to save money every month. This is very important because there are always cut-backs that someone can make to “free up” some money, such as getting rid of cable TV or canceling your monthly gym membership.

Step 4 – Examine Debt Relief Options:

Your counselor will discuss with you which debt relief option might be right for you. You’ll receive an expert opinion on what may be your best path to regaining financial stability in your life. A Debt Management Program might work well for you, and if that’s the case your counselor will discuss how the program works. Bankruptcy might be another option, and in that case the counselor would advise you to speak with a Bankruptcy Attorney.

If you completed your credit counseling session online, a counselor will contact you via telephone or email once all of the information that you’ve entered has been reviewed. The counselor will discuss the next steps and what debt relief options might work best for you.

Conclusion:

Credit counseling shouldn’t be scary, stressful, or upsetting. You are on the right path to getting your finances back in order, and getting your life back on the right track. Be proud that you are taking action to make things better and seeking out all of your available options.