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

Overcoming Your Debt & Financial Stress Has Never Been This Easy

We’re The Debt Relief Specialists, Providing Free Credit Counseling & Debt Management Services

For more than 50 years, Advantage CCS has helped thousands of people overcome their debt and learn how to manage their money for a stress-free financial future. With so much experience, no matter your situation, chances are that our certified credit counselors have helped someone like you.

Because we are a non-profit counseling agency, Advantage CCS is 100% focused on helping you achieve debt relief and putting you back in control of your money and your future. We’re experts at both solving your situation right now and giving you the tools to make smarter decisions tomorrow.

You Can Get Started Right Away

3 Easy Ways To Conduct Your FREE Counseling Session:


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 the state of Pennsylvania.

View Locations

Rest assured, our counselors are certified, highly-trained, experienced, and caring professionals who are ready to put you on a path toward financial freedom and debt relief. They have worked with thousands of 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.

You Can Achieve Debt Relief in Two Steps:

STEP 1: Fast, Free, and Confidential Credit Counseling Session

Before we offer any advice or suggest a debt management program, first we listen to you and learn about your unique situation. After completing this free credit counseling session, we can then analyze your full financial picture so that our credit counselors can deliver a truly personalized plan. It’s your choice to conduct your free credit counseling session on the phone, in-person or via our new mobile-friendly online credit counseling system. This state-of-the-art online debt management tool is convenient, easy to use, and advanced, which makes our online credit counseling service the most popular choice.

Learn More About Our Free Credit Counseling Services & Online Tool

STEP 2: Receive a Personalized Debt Management Plan

After your free credit counseling session, your counselor will analyze your situation and, if it’s the best solution, they will create a personalized debt management plan exclusively for you. This plan will lead you down a path to get you out of debt as fast as possible and improve your overall money management habits. Our debt management program makes it easy to get a fresh start, avoid bankruptcy and regain control over your financial security.

Learn More About Our Debt Management Services


Why is Advantage an Industry Leader in Credit Counseling?

As a non-profit organization, we’re not here to sell you anything – rather, we’re here to help you find relief from your debt, along with the 30,000 other consumers we help each year. On top of our new and advanced online credit counseling tool and personalized debt management program, Advantage CCS also provides bankruptcy help, housing counseling, and personalized budgets. All of our services are confidential, and each credit counselor is certified through the National Foundation for Credit Counseling (NFCC). No matter what kind of financial help you need, you can trust the experts at Advantage CCS to be on your side, helping you and your family achieve financial freedom.

Learn More About Why You Should Choose Advantage CCS