Pittsburgh, PA (PRWEB) September 06, 2012
Advantage Credit Counseling Service, Inc. is pleased to announce that they are licensed to provide credit counseling along with debt management to the state of Utah. Advantage CCS is an accredited non-profit consumer credit counseling agency that helps consumers from all walks of life by providing free credit counseling, a great debt management program, educational classes, and much more. The Agency has been very fortunate in being able to provide assistance to consumers who have financial problems for over 43 years now.
Advantage’s main services include bankruptcy education, bankruptcy counseling, housing counseling, a debt management program, and expert credit counseling. During a confidential credit counseling session, the certified counselors will recommend that the consumer avoid carrying any unpaid balances on future credit cards. Unpaid balances negatively impact one of the many components of a credit score. That important component is called the debt-to-income ratio. Despite this extremely important fact, the truth is more than 1/2 of all individuals have carried an unpaid balance at some point in the past year. Advantage CCS’s credit counseling service would be very valuable to a consumer faced with this situation. That particular individual would learn all about the responsible use of credit and how to set up a budget correctly.
Consumers who are struggling with debt should understand that they are not alone. With the prevalence of debt hardship in the United States, Advantage CCS offers consumers free advice through credit counseling and they work with you to help you move toward a debt-free lifestyle. Advantage Credit Counseling Service is now able to provide these same expert services to anyone living in the state of Utah.
Credit counseling and debt management services allow consumers to work with a certified credit counselor who will guide and teach the consumer to manage a monthly budget correctly. Customer service representatives within the non-profit agency will work with the credit card companies to discuss modified payment plans that work for the debtor. These proposals that are sent out to the creditors must be approved by both the debtor and the creditor before the consumer can be accepted onto a debt management program. There are certain guidelines and rules that the credit counseling agency must follow when dealing with creditors. If a proposal gets accepted, that means lower interest rates for the consumer, in most cases, and this will ultimately help the debtor pay off the total debt at a much faster pace.
About Advantage CCS -
Since 1968, Advantage Credit Counseling Service, Inc. has been educating and counseling consumers about budgeting, money management, and the wise use of credit. Advantage’s services help to financially empower consumers and help to better their lives. ACCS has six locations in Western and Central Pennsylvania. The Agency offers financial education classes, credit counseling, housing counseling, and bankruptcy counseling/education. For more info on additional services, class schedules, and states serviced please visit http://www.advantageccs.org or call 1-866-699-2227.
Advantage Credit Counseling Service is an accredited and proud member of the National Foundation for Credit Counseling (NFCC) and also a member in very good standing of the Better Business Bureau of Western Pennsylvania.