We’re a Non-Profit organization that has been successfully assisting consumers with debt relief for over 50 years by providing free credit counseling.

Advantage Credit Counseling Service, Inc. (ACCS) and Consumer Credit Counseling Service (CCCS) are non-profit 501(c)3 organizations that have been successfully assisting consumers with financial debt for over 50 years by providing expert credit counseling and our debt management program. As a certified non-profit credit counseling organization incorporated in 1968, Advantage Credit Counseling Service educates consumers about wise debt management and the responsible use of credit through an effe...

Advantage Credit Counseling Service, Inc. (ACCS) and Consumer Credit Counseling Service (CCCS) are non-profit 501(c)3 organizations that have been successfully assisting consumers with financial debt for over 50 years by providing expert credit counseling and our debt management program. As a certified non-profit credit counseling organization incorporated in 1968, Advantage Credit Counseling Service educates consumers about wise debt management and the responsible use of credit through an effective debt management program. The agency enlightens and assists thousands of people each year through free, confidential credit counseling, debt management, and various community education presentations. The non-profit credit counseling services and debt management program of Advantage enhance clients’ lives, their family stability, and the community. The agency provides private, confidential budget, credit counseling and also provides a special debt management program. The debt management program enables clients to repay millions of dollars a year to their creditors often saving them thousands of dollars in interest. Once on the debt management program, most creditors will waive existing late and over limit fees as well as discontinue the overwhelming number of collection calls. We are accredited by the Council on Accreditation (COA) and are members of the Better Business Bureau (BBB). Advantage Credit Counseling 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 member of the National Foundation for Credit Counseling (NFCC), the umbrella association for over 150 credit counseling agencies nationwide. Advantage CCS is approved* by the Executive Office of the United States Trustees (EOUST) to provide the required pre-filing counseling and pre-discharge bankruptcy education class, as well as issue bankruptcy certificates for both services. *ACCS is approved by the Executive Office of the United States Trustee to issue certificates in compliance with the Bankruptcy Code. Approval does not endorse or assure the quality of the Agency’s services.