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

Learn Money Management Skills & Earn Your
Bankruptcy Certificate

With bankruptcy education and support from Advantage CCS, you’ll be more prepared than ever to overcome your bankruptcy, receive your bankruptcy certificate and regain control over your financial future. For more than 40 years, Advantage CCS, a non-profit organization, has educated thousands of people on budget development, money management and ways to use credit wisely. Now, we’re ready to help you.

Choose From Two Convenient Pre-Discharge Bankruptcy Classes:


Online Education Class

For only $25, complete your bankruptcy classes online, from the comfort of your own home.

Sign-up

Already signed up? Return to your session.


Phone or In-Person Class

For only $25, you can complete your session by phone or in-person at one of our locations in Pennsylvania.

Schedule a Class

View our locations.


When Bankruptcy Certificates Are Issued:

  • Within three business days of confirmed completion of the Online class.
  • At the conclusion of the Telephone or In-person class

Pre-Discharge Bankruptcy Classes Cover the Following Topics:

  • Budget Development

    • Setting short-term and long-term financial goals
    • Calculating gross and net monthly income
    • Determining monthly expenses
  • Money Management

    • Keeping sufficient financial records
    • Distinguishing between wants and needs
    • Smart shopping tips
    • Maintaining adequate insurance coverage
    • Saving for emergencies, periodic expenses and goals
  • Wise Use of Credit

    • Identifying types, sources and costs of credit
    • Identifying the warning signs of unmanageable debt
    • Understanding appropriate uses of credit
    • Exploring alternatives to using credit
    • Understanding your credit score and credit report
  • Other Topics:

    • Consumer Protection Laws
    • Consumer Resources
    • Alternatives to additional borrowing in times of unanticipated events
    • Seeking advice from public and private service agencies for assistance

Costs For Pre-Discharge Bankruptcy Classes:

  • The class fee is $25 per person. Advantage Credit Counseling accepts debit card payment made via the phone or money orders, cashier checks or Western Union. We do not accept personal checks.
  • In limited circumstances, the class registration fee may be waived if you fall within certain income guidelines. Documented proof of income must be submitted prior to registering for a class. If you feel you may qualify to have the fee waived, please contact the Education Department, toll-free at 866-699-2227.
  • You must have already completed the pre-filing bankruptcy counseling session and have been issued a pre-filing bankruptcy certificate and case number prior to taking this class. If you are uncertain when to take the pre-discharge bankruptcy class, please contact your attorney.

Approved States for Bankruptcy Counseling & Education

Available in all states, excluding Alabama and North Carolina.

Advantage Credit Counseling Service is approved by the Executive Office of the United States Trustee (EOUST) to provide the required pre-discharge bankruptcy education class and issue certificates.

ACCS is approved by the Executive Office of the Unites States Trustee to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the Agency’s services.