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


100% Free With
No Obligations


Online Counseling 24 Hours
a Day, 7 Days a Week


Secure and
Confidential


Reviewed by
Certified Counselors

The Benefits of Online Credit Counseling

Why Choose Our System Over Others?

With over 50 years of non-profit credit counseling experience, we have helped well over 400,000 consumers become debt free! Our outstanding customer service, A+ rating with the Better Business Bureau and exceptional standing in the credit counseling industry has stayed the same since 1968!

More Features

  • Easy & intuitive step-by-step process guides you through creating a budget
  • We create a personalized 20+ page Action Plan with strategies for getting out of debt that relate to your specific situation
  • Create and experiment with new budget and spending strategies in order to design a payment plan that works for you.

Outstanding Service

A+ rating with the Better Business Bureau, accredited by the Council on Accreditation (COA), and a Certified comprehensive housing counseling agency by the U.S. Department of Housing and Urban Development (HUD)

Intuitive Step-by-Step NavigationOur process makes building a budget easy, and we are here to help via live chat and phone.

We Break It Down for You The system automatically provides a side-by-side comparison of your current payments versus what your DMP might look like.

See How Much You Can SaveWe provide savings up-front, then work with your to dial in your repayment plan.

More Features

  • Intuitive Step-by-Step Navigation Our process makes building a budget easy, and we are here to help vial live chat and phone.
  • We Break It Down for You The system automatically provides a side-by-side comparison of your current payments versus what your DMP might look like.
  • See How Much You Can Save We provide savings up-front, then work with you to dial in your repayment plan.

Free Debt & Credit Counseling Services Online

This proprietary online credit counseling system will guide you through step by step in order to complete the intake forms that are necessary for our system to analyze your complete financial situation. You will be asked to enter information such as your Contact Info, Income, Daily Expenses, Credit Card Debt, Assets, and Liabilities.

NOTE: Unlike other online credit counseling services, Advantage does not require your Social Security Number, Credit Card Account Numbers or require you to pull a Credit Report.

Take Control of Your Debt Today

If you have any problems or questions about our credit counseling services, please feel free to give us a call.

Call Us At 1-866-699-2227

After your current budget has been created the system automatically generates a customized Action Plan. This 20 plus page PDF document contains a full budget analysis, balance sheet and personal debt reduction recommendations, tips, suggestions and helpful resource links.

If the system determines that you have a shortfall (expenses are greater than your income) you will be guided through creating a Proposed Budget in order to see if there are any adjustments you are willing to make in order to balance your budget.

Once this is complete, the system will analyze the information you have provided and present a recommendation on whether a debt management program may be right for you. If the system determines that a DMP may be an option, it will provide a comparison of your current creditor payment obligations versus an estimate of what your monthly payment would be on a debt management program.

  • Current vs. Estimated DMP Monthly Payment
  • Current vs. Estimated DMP Months to get out of Debt
  • Current vs. Estimated DMP Total Interest
  • Current vs. Estimated DMP Total Amount needed to pay off Debt

Once you complete your online credit counseling session, if a debt management program is right for you, one of our certified counselors will contact you within one business day to schedule a brief, no-obligation, follow-up telephone session. The purpose of this session is to ensure that all of the information you have provided is accurate and explain the details of how the Agency’s debt management program works and whether the program is appropriate for your current situation. Additionally, he or she will explain the steps needed to begin the program.

Ready to Get Started?

 

Use our FREE online system and see whether a debt management program (DMP) is right for you!

Start Your Online Credit Counseling Session
Already Signed Up? Return to your Session

Take Control of Your Debt Today

If you have any problems or questions about our credit counseling services, please feel free to give us a call.

Start Your Online Credit Counseling Session