Pennsylvania's Largest & Most
Trusted Credit Counseling Agency

Celebrating our 50th Anniversary!

Our credit counseling services are free and confidential. Our process analyzes your full financial situation, so your counselor can deliver a truly personalized solution.

Credit Counseling &
Debt Management Plan

Free, Easy and Confidential

Struggling with credit card debt? Use our credit counseling service to see if a debt management plan is right for you. Reduce your high interest rates today!

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Bankruptcy Counseling

Obtain Your Certificates Here

We provide low-cost pre-filing bankruptcy counseling and pre-discharge bankruptcy classes required by law. Counseling is available online, by phone or in-person.

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Housing Counseling

HUD-Certified Counseling Agency

If you’re a first-time home buyer, trying to avoid foreclosure, or interested in a reverse mortgage, our certified housing counselors are standing by to help.

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3 Easy Options to Begin Your
Counseling Session

Better Business Bureau A+ Rating.


Most Preferred Method!

Online Counseling

Our online Credit Counseling system is 100% FREE, secure, confidential, and available 24/7. This system analyzes your complete financial situation, provides personalized debt relief advice, and determines whether a debt management plan is right for you. Choose the most trusted Online Credit Counseling system in the industry!

Phone Counseling

Get 1 on 1 counseling by speaking with a Certified Credit Counselor over the telephone. Our counselors are friendly, professional and non-judgmental.

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In-Person Counseling

The most detailed and accurate method to conduct your credit counseling session. We currently have five locations throughout Pennsylvania.

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Becoming Debt Free Starts Here

Better Business Bureau A+ Rating.


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.

Call (866) 699-2227

Why Choose Advantage?

Headquartered in Pittsburgh Pennsylvania since 1968, Advantage is a non-profit 501(c)3 counseling agency that has been successfully helping consumers get out of debt for over 50 years.

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Our Pennsylvania Roots...

Advantage has helped over 70,000 Pennsylvania consumers repay over $640 million dollars in debt.

100% Committed to Supporting You

We offer tons of free educational tools, videos, and content through our social media, blog, and online article library.

Personalized Counseling

Our Counselors are certified and highly trained to provide expert advice pertaining to your unique financial situation.

Confidentiality Is Everything To Us

We take consumers privacy very seriously. You can trust that your information is 100% secure.

A fully Accredited Credit
Counseling Agency

Certified & Trusted Non-Profit Agency

We’re a proud member of the National Foundation for Credit Counseling (NFCC), certified by the Council on Accreditation (COA), and have a long standing A+ Rating with the Better Business Bureau (BBB). We’re also approved by HUD.

Call Today! (866) 699-2227

High Standards = Happy Customers.

Helped over 675,000 Pennsylvanians better manage their finances


“This was the best thing that I could have done. It taught me that I really do not need the things that I was purchasing, so now if it is not necessary, it stays in the store. Also if I do not have any money in my checking account, I will not take the credit card to get the money.”


Janice M.

“The experience was wonderful! The immediate help and peace of mind that I received from CCCS was indescribable. My family was able to work toward becoming debt-free and reliant on ourselves, not on credit cards. We learned our lesson and have become more fiscally responsible. Thank you a thousand times over!”


Bryan M.

“It gave me peace of mind knowing that my finances were being handled by a reliable company. I appreciate the regular communications via email & phone & found the additional newsletters informative. Thank you so much for helping me reach my goal!”.


Joan B.