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

Free & Confidential Credit Counseling
From Advantage CCS

If you’re in debt and feeling overwhelmed by your financial obligations, you’ve come to the right place. Our team of compassionate and professional credit counselors understands where you’re coming from. They have helped hundreds of thousands of people over the years, all with unique financial situations, and now they’re ready to help you.

Get Started

If you’re ready to get started, try our FREE mobile-friendly online credit counseling system. It’s the most comprehensive and innovative tool in the industry.

Start Your Online Credit Counseling Session

If you prefer a one-on-one credit counseling session, you can receive counseling over the phone or in person by calling 866-699-2227.

Why Advantage’s Approach to Credit Counseling Makes Perfect Sense:

1. No Cost

We’re A Non-Profit Credit Counseling Agency

For more than 50 years, Advantage CCS, a non-profit credit counseling organization, has been providing free, professional and confidential credit counseling services to people all over the country. We know that picking up the phone and making that first call to a credit counselor may seem intimidating, stressful, or even embarrassing. After working with thousands of customers throughout the years, our compassionate team of experts has developed a way to make the process as easy and stress-free as possible. We do this by always listening to you first and then providing you all of the information you need to make the best decision for yourself and family.

2. No Confusion

3 Easy Ways To Conduct Your Free Counseling Session:

Rest assured, our counselors are certified, experienced and caring professionals who are ready to put you on a path toward financial freedom. They have worked with people from all walks of life and all income levels looking to relieve their burden of debt. You can feel comfortable that no matter your unique situation, we know what you’re going through and we know how to help. After contacting Advantage CCS, you can expect to receive a personal response from a credit counselor within one business day.


ONLINE

MOST PREFERRED METHOD! Our online Credit Counseling system is 100% FREE, secure, confidential, and available 24/7. It’s also completely mobile-friendly!

Get Started


BY PHONE

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

(866) 699-2227


IN PERSON

The most detailed and accurate method to conduct your credit counseling session. We currently have 5 locations throughout Pennsylvania.

View Locations

3. No Stress

What To Expect During Your Credit Counseling Session

It Starts With a Conversation:

First, your counselor will determine your net monthly income and ask you various questions that will help to estimate your monthly expenses. Some expenses, like the monthly rent or mortgage payment, are easy to determine. Others like groceries or gifts can be more difficult to identify. This is an important first step because it helps your credit counselor and the online credit counseling system determine all of your potential options to better manage your money and get your debt under control.

  • To get the most out of your free credit counseling session, it may be helpful for you to review any grocery or ATM receipts you have, scan your checkbook register, and do a mental inventory of items you typically spend money on throughout the year.

Second, after examining your monthly income and comparing it with your expenses, we’ll identify any shortfalls in your budget. During this second phase of the credit counseling session, we will assist you in developing a balanced and easy-to-follow monthly spending plan.

  • Your counselor will also recommend ways to increase your income, cut back on expenses, or even restructure some of your debts.
  • In addition, your counselor may refer you to other state or national resources that may be of help.

Finally, if appropriate, your credit counselor may recommend a special Debt Management Program through Advantage CCS. We’ll help you make a plan and stick to it, so you can be well on your way toward financial recovery!

We’re Here To Help, 24/7

There’s no reason to delay another second. You can be well on your way toward a debt-free life today while learning the money management skills to build a more secure future.

To begin your journey, call us, visit us or start using our free, mobile-friendly, online credit counseling system. We look forward to helping you reach your goals.

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