Credit counseling is valuable for individuals seeking assistance managing their debt and improving their financial well-being. Two primary credit counseling services exist, for-profit and non-profit credit counseling, which is provided by Non-Profit 501(c)(3) organizations. Understanding the differences between these two options can help consumers make informed decisions about the type of credit counseling that best […]
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Regain Financial Freedom with Debt Management
Whether you find yourself struggling month to month to pay your bills, fear the looming calls from debt collectors or even worry about potentially losing your home or car, it is important to recognize that there is hope. Thousands of Americans face the financial crisis of seemingly overwhelming debt. With the aid of debt management […]
Continue ReadingUnderstanding Credit Card Debt
According to CBS News, nearly half of Americans have more credit card debt then they do savings, the lowest percentage since the figure was first tracked in 2011. With each year, more and more Americans find themselves facing an uphill battle against credit card debt. Turning to the aid of credit counseling services may not […]
Continue ReadingSlideshow: 5 Options for Getting Out of Debt
Getting out of debt, especially credit card debt can be a very difficult task and the stress that goes along with it can be even more taxing. Credit card debt can lead to issues with relationships and family, and has even been known to cause depression. The average number of filings for bankruptcy by businesses […]
Continue ReadingSurvey Shows that Only Half of Americans Have a Savings Plan
A survey we conducted showed that 51% of Americans across the country have a savings plan versus 49% who do not. Positive and negative responses to the question: “Do you have a savings plan?” Age Differences Were a Major Factor Although average responses were almost evenly divided, age played a major factor in whether an […]
Continue ReadingVideo: Top 10 Warning Signs of Debt
In our latest video, you’ll find friendly Lisa, and she is going to teach you about the top 10 warning signs of debt. We wanted to figure out a way to educate consumers, and we know that a video can do a great job of that. This video is mainly for consumers that may not […]
Continue ReadingWhite Paper: What a Certified Credit Counseling Agency Can Do For You
Even though certified credit counseling agencies can save debt-burdened individuals thousands of dollars and prevent years of financial stress, their services are underused by those who could benefit from them the most. In this white paper, find out the different ways that certified credit counseling agencies can help you and your family, whether you are […]
Continue ReadingInfographic: Causes of Debt
When people think of debt, they most often think of credit card debt. However, a significant amount of people’s financial worries actually come from some slightly more unexpected causes of debt. Currently, some of the largest contributors to debt are medical bills, divorce fees and settlements, and student loans. There are other known causes of […]
Continue ReadingVideo: Advantage CCS’s Online Goal Tracker Tool
Advantage Credit Counseling Service has released a new video about our free Goal Tracker tool that’s available 24/7 on www.onlinebudgetadvisor.com. We are thrilled to introduce our goal saving/tracking system through this quick demonstration. The two-minute video introduces you to Mike. Mike is your average everyday guy, but he’s not really good at saving money or […]
Continue ReadingSlide Show: Student Loan Tips & Helpful Resources
With US student loan debt now greater than total credit card debt, new graduates need to take their monthly payments seriously and form good repayment habits early on. Some estimates show student loan debt has surpassed $1 trillion nationally, and recent government figures show nearly 10% of borrowers of federally-subsidized student loans had already defaulted […]
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