Debt Management and Credit Counseling are available in South Carolina

Advantage Credit Counseling Service is extremely happy to announce their license and approval in the state of South Carolina to conduct credit counseling sessions and help consumers who are in credit card debt by utilizing their wonderful debt management program.

South Carolina has many rules and restrictions when it comes to credit counseling or debt management programs being offered in the state. These laws are put in place to protect the consumer and to help avoid any scams that may be out there. That’s one reason why it’s a pretty big announcement about being licensed in this state. There are many steps and measures taken to apply for a license in South Carolina and the application process can be a tough one. However, Advantage CCS has passed with flying colors. The agency is now able to offer free credit counseling and debt management services to consumers that live within the state.

In South Carolina, Debt Management refers to companies that most people consider to be “credit counseling organizations”. These agencies will contact the creditors to stop any possible late fees and/or penalties. They also try to decrease your interest rates and set up a manageable monthly payment. The creditors that agree to these terms are now part of the Debt Management Program (DMP). Every month, the consumer will send one certified check or one electronic transfer to the Credit Counseling Agency to be dispersed to the creditors who are on the DMP. The agency will only send payments to creditors on the Debt Management Program. If a certain creditor refuses to be placed on the DMP, the consumer must make individual arrangements with that creditor and pay them on their own.

Advantage CCS is currently able to provide credit counseling and debt management services to the following US states: Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Indiana, Iowa, Kentucky, Louisiana, Maine, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wisconsin, and Wyoming. That’s a total of 39 states that Advantage CCS is licensed in right now. The agency is working hard to become licensed in all US states before the end of 2013.

All About Advantage Credit Counseling Service –

Advantage Credit Counseling Service has been educating and counseling individuals since 1968 about budgeting, money management, and the responsible use of credit cards. Advantage CCS currently offers free educational workshops, free online credit counseling, face-to-face credit/debt counseling, housing counseling, a great debt management program, bankruptcy counseling, and bankruptcy education courses in numerous states.

For more information on additional services, class schedules, or educational materials please visit www.advantageccs.org or call toll-free 1-866-699-2227. Their highly trained certified credit counselors can help you anytime, day or night.

Advantage Credit Counseling Service is an accredited member of the National Foundation for Credit Counseling (NFCC), a proud member of the Council on Accreditation (COA), and a member in very good standing with the Better Business Bureau of Western Pennsylvania (BBB).

Author: Lauralynn Mangis
Lauralynn is the Online Marketing Specialist for AdvantageCCS. 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.