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

Personalized Debt Management Programs

If you are struggling with credit card debt or any other unsecured debts, Advantage CCS is here to stand up for you as your advocate, helping you achieve financial freedom. Our certified credit counselors are experts in creating a personalized debt management program, and they’re ready to create one made just for you. Debt management plans will include a money-spending plan based on your income, expenses, and lifestyle, which will help you manage the debt you have today and the money you’ll make tomorrow. Debt management is an affordable and easy way to recover from all of your unsecured debts. In some cases, our counselors may be able to offer a debt management program in cooperation with your creditors that will lower your monthly payments and reduce your total debt.

The Benefits of the Advantage Debt Management Program:

  • Waive or reduce high-interest rates
  • Eliminate late and over-limit fees
  • No more harassing calls from creditors and collection agencies
  • Reduced monthly payments
  • A voluntary arrangement between you, your creditors and our agency

Why Choose the Advantage Debt Management Program?

  • We’re a non-profit agency with over 50 years of experience
  • We take a personal, unique approach for each client
  • We are always on your side
  • Get a fresh start with your creditors
  • Save thousands in credit card interest
  • Avoid bankruptcy
  • Improve your credit score

There are also a number of less obvious benefits to our debt management services, such as learning to use and maintain a healthy budget, living without being dependent on credit, not having to worry about your creditors and learning the importance of paying more than the minimum payment.

Furthermore, Advantage CCS is always on your side, and we’ll make sure you are treated with the utmost respect and pay only what you can afford.

Leading The Way

Learn More About Why Advantage is the Industry Leader in Credit Counseling

Learn More About Us »


How Does The Advantage Debt Management
Program Work?

No matter your situation, the first step is for one of our certified counselors to host a credit counseling session with you. This allows us to determine your monthly income, expenses and creditor payments. After analyzing your financial “picture,” your counselor will make practical suggestions to help you improve your money management habits and get you back in control of your finances. If appropriate, the counselor may also suggest referrals to other community organizations that may be of help.

Once the credit counseling session is complete, if your credit counselor thinks a Debt Management Program can help you, he or she will set up your account within our debt management system, send proposals to your creditors, and be your personal advocate throughout the entire process. Your counselor will work closely with creditors, identifying opportunities to relieve your financial burden as much as possible, putting you back on track toward financial freedom.

3 Easy Ways To Get Started:

Rest assured, our counselors are certified, experienced and caring professionals who are ready to put you on a path toward financial freedom. After completing the credit counseling session, a credit counselor will follow up with you by e-mail or telephone, at your convenience, within one business day.


ONLINE

MOST PREFERRED METHOD!

Our online Credit Counseling system is 100% FREE, secure, confidential, and available 24/7.

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

One Payment, One Solution. That’s the Advantage!

Once you’re in the debt management program, you will then be able to make one simple monthly payment to Advantage CCS. This payment will be disbursed automatically to your creditors in the agreed-upon amounts.

This personalized debt management program will get you out from under your unsecured debts in three to five years instead of ten, or even twenty years. Furthermore, because you’ll be making so much progress in eliminating your debts, your unsecured creditors may agree to stop charging late and over-limit fees, and sometimes reducing they will reduce interest rates, all of which saves you money.

On top of financial security, what debt management plans deliver is peace of mind, meaning you will never have to be afraid to answer your telephone again.


Examples of Unsecured Debts We Can Help Solve:
  • Visa
  • MasterCard
  • American Express
  • Discover
  • Retail store cards
  • Medical bills
  • Collection accounts
  • Finance company loans

Of course, there are many more types of debts we can assist with and have experience in solving. Contact us to learn more about how Advantage CCS can help you overcome almost any kind of unsecured debt through debt management plans.

Debt Management Is A Safer Alternative To Other Methods Of
Debt Reduction, Including:
  • Chapter 7 bankruptcy
  • Chapter 13 bankruptcy
  • Debt settlement
  • Debt Consolidation loan
  • Home equity loan/refinancing mortgage
  • Payday Loans