Business Details
50+ Years
experience
Your Trusted Partner for Credit Counseling Solutions
Founded in 1968, Advantage Credit Counseling Service (ACCS) is a non-profit 501(c)3 organization dedicated to empowering individuals with financial education and debt management solutions. Our certified counselors provide personalized credit counseling, debt management programs, bankruptcy counseling, and housing assistance through online, phone, and in-person services. Accredited by the Council on Accreditation (COA) and the Better Business Bureau (BBB), we serve clients nationwide with a mission to promote financial literacy and stability. With over 50 years of experience, we have helped 400,000+ clients eliminate $1.2 billion in debt while maintaining an A+ BBB rating.Our HUD-certified housing counselors specialize in pre-purchase guidance, foreclosure prevention, and reverse mortgage counseling. We operate 24/7 online platforms and maintain physical offices in Pennsylvania, offering free, confidential consultations to ensure accessible support for all financial situations.
Services
Credit Counseling
Debt Management
Bankruptcy Counseling
Housing Counseling
Credit Report Review
Details
- Year established: 1968
Highlights and features
- 50+ years of experience in financial counseling since 1968
- Certified counselors provide personalized debt management strategies
- A+ rating with Better Business Bureau
- 24/7 accessible online credit counseling platform
- HUD-certified housing counseling services
Associations and certifications
- Council on Accreditation (COA)
- Better Business Bureau (BBB)
- U.S. Department of Housing and Urban Development (HUD)
- National Foundation for Credit Counseling (NFCC)
- Executive Office of the United States Trustees (EOUST)
What people say
Debt-free success
Personalized support
Professional counselors
Financial education
Stress reduction
Services
Credit Counseling
Our free credit counseling sessions analyze your financial situation to create personalized debt relief strategies. Certified counselors review income, expenses, and debts to develop budgeting plans and determine eligibility for debt management programs. Available through secure online platforms, phone consultations, or in-person appointments in Pennsylvania.
Debt Management Program
This program consolidates unsecured debts into one monthly payment with reduced interest rates and waived fees. Counselors negotiate with creditors to create affordable repayment plans lasting 3-5 years. Participants receive ongoing support to eliminate credit card debt, medical bills, and collection accounts while rebuilding credit scores.
Bankruptcy Counseling
Federally mandated pre-filing counseling and post-discharge education classes help clients understand bankruptcy options. Certified counselors provide required certificates for Chapter 7/13 filings through online, phone, or in-person sessions. Services include budget analysis and future financial planning guidance.
Housing Counseling
HUD-certified counselors offer pre-purchase education, foreclosure prevention strategies, and reverse mortgage guidance. Services include mortgage process education, budget analysis for homebuyers, and Pennsylvania-specific foreclosure assistance. Available through multiple delivery channels for comprehensive housing support.
Questions
What services does Advantage CCS offer?
We provide credit counseling, debt management programs, bankruptcy counseling, housing counseling, and credit report reviews to help clients achieve financial stability.
Are your counseling services free?
Yes, all credit counseling sessions are free and confidential, though bankruptcy education classes have nominal fees of $24.95-$25.00.
How does the debt management program work?
We consolidate unsecured debts into one monthly payment with reduced interest rates and waived fees through negotiated creditor agreements lasting 3-5 years.
Are you BBB accredited?
Yes, we maintain an A+ rating with the Better Business Bureau and are accredited by the Council on Accreditation (COA).
Do you offer online counseling options?
Our 24/7 mobile-friendly online platform provides free credit counseling sessions, debt management tracking, and educational resources accessible from any device.
