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Credit Counseling

A comprehensive credit counseling session is the first step to get back in control of your finances and reduce your debt.

A session with a certified counselor at Consumer Credit Counseling Service of Western Pennsylvania is free and will help you build a budget and create an action plan to manage your money.

The session can be done in-person at one of our seven Pennsylvania offices, or it can be done via telephone from the convenience of your home.

A credit counseling session takes about one hour. During that time the counselor will review all aspects of your finances including:

  • Your monthly income
  • Your living expenses including mortgage or rent payments, utility payments, food costs, etc
  • Your debt including the balances and interest rates of all of your unsecured debt.
  • Unsecured debt refers to debt like credit cards, personal loans or medical bills
  • Any other expenses you incur each month like dining out, pet care, medication
  • Periodic payments like insurance premiums or taxes

Once your counselor has all of this information, he or she can then help you create a budget and offer suggestions to help you going forward.

Some people may benefit from the agency’s Debt Management Program. Others can improve their situation by making some changes in their spending habits. There may be other solutions for consumers depending on individual circumstance.

In some cases, your counselor may suggest you seek assistance from another non-profit or government agency, if you so choose.

After you’ve completed your free credit counseling session you will be mailed a packet containing your budget and a personalized action plan.

No matter what your situation is, a consumer credit counseling session is the best place to start fresh with your finances!

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Consumer Credit Counseling Service of Western Pennsylvania (CCCS of Western PA) has changed its name to Advantage Credit Counseling Service, Inc. (Advantage CCS).

On April, 8th 2004 CCCS of Western PA was rebranded to the new name of Advantage Credit Counseling Service, Inc. and we also have a new website at www.advantageccs.org. We are the same reputable and trusted non-profit credit counseling agency that has been helping people with their debt for over 49 years. Advantage CCS is still Pennsylvania’s largest consumer credit counseling agency.

Founded in 1968, Advantage CCS is headquartered in Pittsburgh, Pennsylvania with multiple office locations across the state. We are a non-profit credit counseling agency that is approved and licensed. We are proud members of the National Foundation for Credit Counseling (NFCC) and accredited by the Council on Accreditation (COA).

Learn More about Advantage CCS

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