Free & Confidential Credit Counseling From Advantage CCS

The Industry Leader in Online Credit Counseling

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.

By Phone

100% Free

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

Most Preferred Method


100% Free

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

Get Started

In Person

100% Free

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

Book an Appointment


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.

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:

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.

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.

No Stress

What To Expect During Your Credit Counseling Session

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.

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.

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.

States Serviced

States Serviced

* Indiana – We do not lend money.

** Kansas – Advantage Credit Counseling Service, Inc. is licensed by the Kansas Office of the State Bank Commission. License number CSO.0019055.

*** Virginia – Advantage Credit Counseling Service, Inc. is licensed by the Virginia State Corporation Commission. License number DC-86.