Debt Management Program (DMP)

Complete a free online credit counseling session to see if a DMP is right for you.

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

How Does The Advantage Debt Management Program Work?

No matter your situation, the first step is for you to complete a free credit counseling session either in-person, over the telephone, or online using our new mobile-friendly system. This allows us to determine your monthly income, expenses, and creditor payments. After analyzing your financial “picture,” the online system or your certified credit 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 Action Plan and/or credit counselor may also suggest referrals to other community organizations that may be of help.

Once the credit counseling session is complete, if the system or your credit counselor thinks a Debt Management Program can help you, the next step is to get you scheduled for a brief follow up phone call to discuss the program and answer any questions you may have. Your counselor will work closely with your 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.

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.

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

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.