Advantage Credit Counseling Service is a Non-Profit organization that has been successfully assisting consumers with debt relief for over 50 years by providing free credit counseling and our Debt Management Program. As a Non-Profit Consumer Credit Counseling agency incorporated in 1968, Advantage CCS educates consumers about wise debt management and the responsible use of credit. The agency enlightens and assists thousands of people each year through our consumer credit counseling, debt management program, and various community education programs. The services of Advantage CCS enhance our clients' lives, their family stability, and the community. We provide private and confidential consumer credit counseling, bankruptcy counseling, bankruptcy education, a Debt Management Program, a Credit Report Review service, Housing Counseling, and much more. We are accredited by the Council on Accreditation (COA) and are members of the Better Business Bureau (BBB) with an A+ Rating. Advantage Credit Counseling Service has been designated a certified comprehensive housing counseling agency by the U.S. Department of Housing and Urban Development (HUD). The agency is also a proud member of the National Foundation for Credit Counseling (NFCC).
Very good customer service and helpful throughout the process! The only suggestion we have would be to allow for electronic withdrawal when payments are a couple of days late rather than having to get a money order to send. Other than that, it was a great experience!
JY
Jolee Yorks
Jun 3, 2025
5.0
Any employee that I ever spoke with at Advantage were always so kind, understanding, and helpful. They were fast to communicate with e-mail and have helped me tremendously to get organized and pay off my credit cards. Being debt free feels amazing.
JM
jeffrey moore
Nov 8, 2023
5.0
They are nonprofit, big difference. You will pay the entire principal back, but they will negotiate a much lower interest rate. More importantly when you pay off loan your previous financial situation will not show up as a problem. None of my cards were ever cancelled I just couldn't use them during the period of the loan. Please give them a call and talk before you sign with someone else: they want to help you. They've helped me twice.
CK
Christina Kiefer
Nov 6, 2023
5.0
They made the process so easy from start to finish. When I was able to pay off everything they handled contacting all of my creditors for me and set up payoffs.
GD
Galen Desch
Dec 19, 2018
5.0
The advantage process is explained in detail.
They help get my feet back on level ground again. Help is just an email or text home call away.