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

Declaring Bankruptcy? Advantage CCS Is Here To
Support You.

With Advantage CCS on your side, there’s no need to be afraid of the word “Bankruptcy.” While it can be a difficult and challenging situation, we’re here to make the process as stress-free as possible. As a non-profit organization, you can count on Advantage CCS to ensure that you understand all of your available options so you can make the best decision for you and your family. It starts with a pre-filing bankruptcy counseling session…


Online Counseling

For only $24.95, complete your online bankruptcy counseling session from the comfort of your own home.

Get Started

Already signed up? Return to your session.


Phone & In-Person Counseling

For only $50, you can complete your session by phone or in-person at one of our locations in Pennsylvania.

Schedule Your Session

View our locations.


What to Expect From Your Pre-Filing Bankruptcy
Counseling Session:

To make sure you feel comfortable and informed about your options, your counselor will start by providing a broad overview of the federal bankruptcy law. He or she will then look at your current financial situation and determine if there are options other than a bankruptcy that can help you eliminate your debt in a reasonable amount of time and maintain a balanced budget. Regardless of whether filing for bankruptcy is right for you, your counseling session is the first step in building a personalized financial plan for a more secure and stress-free future.

As we like to say, after your bankruptcy counseling session, the advantage is now in your court.

When A Bankruptcy Certificate Is Issued:

  • At the conclusion of the counseling session, the required pre-filing bankruptcy certificate of completion will be either mailed or emailed to you and your attorney, if you have one.

What Will Your Bankruptcy Counseling Session Do For You?

  • Determine your net income and expenses for an average month.
  • Uncover ways to balance your expenses against your income.
  • Deliver a personalized action plan to provide you with information on:
    • Ways to increase your income and/or cut back on expenses.
    • State and national resources that may be of assistance.
    • Helpful money management strategies.
    • Possible options for dealing with your debt.

Costs for the Pre-Filing Bankruptcy Counseling Session:

  • $50 if you wish to have a Telephone or In-Person counseling session.
  • $24.95 if you use the Agency’s Online Bankruptcy Counseling module.
  • A debit card or money order is the only acceptable form of payment. Personal checks and credit cards are not accepted
  • If you are a married couple filing a joint bankruptcy, each of you must complete the required bankruptcy counseling session in its entirety. There are no additional charges for a married couple if both parties participate in the same counseling session. If you choose to complete the counseling in separate sessions, each person is charged individually.
  • In limited circumstances, you may be eligible to have this fee waived if you meet certain income guidelines. If you believe you may qualify to have the fee waived, contact us toll-free at 1-866-699-2227. Counseling is offered regardless of the participant’s ability to pay.

Two Convenient Ways To Start Your Bankruptcy Counseling Session:


Online Counseling

For only $24.95, complete your online bankruptcy counseling session from the comfort of your own home.

Start Your Online Bankruptcy Counseling Session

Already signed up? Click here to return to your session.


Telephone Counseling

For only $50, you can complete your session by phone or in-person at any of our office locations.

Schedule Your Bankruptcy Counseling Session

IMPORTANT NOTICE: It’s a federal law that prior to filing for personal bankruptcy, you must complete a pre-filing bankruptcy counseling session from a non-profit organization, like Advantage CCS. This provision of federal bankruptcy law ensures that you understand all of your options and that you have the necessary knowledge and tools to develop a sound financial plan for the future. You can complete this session with Advantage CCS online, over the phone or in-person.


Advantage Credit Counseling Service (ACCS) is approved* by the Executive Office of the United States Trustees (EOUST) to provide the required pre-filing counseling and issue certificates in all judicial districts in the “STATES SERVICED” list on the right-hand side of this page.

*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.