Approved to offer credit counseling & debt management in New Jersey
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Credit Counseling - What Questions to Ask

Credit Counseling - What Questions to Ask | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

Credit Counseling can be the answer to many of your financial troubles. Advantage CCS offers stress-free credit counseling to people in need of professional advice, all of which is offered by an experienced and certified credit counseling agency. By analyzing your current financial situation, a certified credit counselor will be able to recommend a plan of attack that may lead you towards financial stability.

Advantage CCS, certified credit counseling agency, credit counseling services, credit counseling agency

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Online Financial and Loan Calculators

Online Financial and Loan Calculators | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

The use of an online financial calculator can be crucial to the stability of your budget. These calculators can help ease the worries of monthly payments, retirement, and other stressful responsibilities. There is no shame in looking for help when dealing with financial issues. Many times, investment decisions can be complicated, but going into them blindly can prove to be a big mistake. The internet provides many gateways to various resources and organizations that can help relieve the stress of whichever financial situation you may be facing.

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Pay Down Debt vs Increase Savings

Pay Down Debt vs Increase Savings | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

Struggling with debt and not being able to put money away into savings can leave many individuals vulnerable to financial problems. Without any set savings plan or debt help program, it becomes increasingly difficult to keep your head above water. Your debt can begin to pile up quickly, and your savings will begin to dwindle or be nonexistent.

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White Paper: What a Certified Credit Counseling Agency Can Do For You

White Paper: What a Certified Credit Counseling Agency Can Do For You | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

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 already struggling with debt or simply facing tough financial decisions. To get in touch with a certified financial advisor and learn how to improve your financial situation, contact Advantage Certified Credit Counseling today.

 

 

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Understanding What Debt-to_income Ratio Means

Understanding What Debt-to_income Ratio Means | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

Your debt to income ratio (DTI) is a key component of how healthy your credit is. It has no effect on your actual credit score, but lenders take it into consideration when it comes to applying for a mortgage or other major loans.

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We’re Excited to Announce the Launch of Our Redesigned Website

We’re Excited to Announce the Launch of Our Redesigned Website | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

Advantage CCS has some very exciting news that we would like to announce: The Agency’s website www.advantageccs.org has been completely redesigned and upgraded. This new design features HTML5 (Responsive Design), so it’s compatible with any device, i.e. desktops, laptops, netbooks, tablets, Smart TVs, and all mobile devices!

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How Much is Your Debt Really Costing You?

How Much is Your Debt Really Costing You? | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

We have a guest blog post for you from Katie Bryan over at America Saves. We partner with America Saves, because they are a national campaign linking more than 1,000 Non-Profit, government, and corporate groups that encourages consumers to save money and build personal wealth.

 

 

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Advantage CCS is excited to announce the launch of our new FREE tool: Goal Tracker

Advantage CCS is excited to announce the launch of our new FREE tool: Goal Tracker | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

Advantage Credit Counseling Service is excited to announce the redesign of the Online Budget Advisor website and the launch of our new FREE tool: Goal Tracker. We’ve also made some updates to the free Budget Builder tool as well.

 

 

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Choosing a Debt and Credit Counseling Service

Choosing a Debt and Credit Counseling Service | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

Have the bills been piling up, and you don’t know where to turn? You need a credit or debt counselor to steer you in the right direction. Most credit counselors with a good reputation are non-profit organizations and offer their services through local branches, online and over the phone, says the Federal Trade Commission.

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How Does Financial Counseling Work?

How Does Financial Counseling Work? | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

Debt and financial struggles can be overwhelming and stressful. Payments can be late or missed, and the months can drag on as your debt continues to rise. Luckily, there are many helpful resources that can be taken advantage of to help ease the pain of these circumstances. The free financial counseling offered by Advantage CCS can assist individuals burdened by debt in a number of ways, and they are all specifically tailored to each person’s needs.

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Sydney Jones's curator insight, November 9, 2015 3:54 PM

financial counseling

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Survey Shows that Only Half of Americans Have a Savings Plan

Survey Shows that Only Half of Americans Have a Savings Plan | Approved to offer credit counseling & debt management in New Jersey | Scoop.it
A survey we conducted showed that 51% of Americans across the country have a savings plan versus 49% who do not. Although average responses were almost evenly divided, age played a major factor in whether an individual had a savings plan. Only 33.3% of those aged 18-24 had a savings plan. The other age groups hovered in the 50s on the percentile range with the highest group (25-34 years) at 57.1% and the lowest group (45-54 years) at 50.3%.
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10 Reason Why Winter Can be a Budget Breaker

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Summer can be a high cost season with family vacations, more outdoor activities to do, and summer parties to attend, but winter can also be a high cost season for other reasons.
Winter is when many expenses suddenly appear that were not present during the warm summer months. Some expenses are unavoidable while others can be overcome with detailed budgeting and financial planning.

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Navada Consumers Get Another Debt Relief Choice

Navada Consumers Get Another Debt Relief Choice | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

Nevada is known for slot machines, poker tables, and people running the risk of losing a lot of money at the blackjack tables. There were 16,067 slots in Nevada in 1960. In 1999 Nevada had 205,726 slot machines, that’s 1 machine for every 10 residents. It’s safe to say that some people living in Nevada could benefit from free consumer credit counseling and money management skills.

 

 

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Spend Less & Save More this Holiday Season

Spend Less & Save More this Holiday Season | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

In 2012, the Consumer Federation of America (CFA) and the Credit Union National Association (CUNA) found that 12% of people said they were planning to spend more during the holidays than in the previous year. That number was up from 2011 where only 8% planned on spending more than in the previous year. For 2013, let’s help reverse this trend and plan on spending less and save more this holiday season!

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In 2012, the Consumer Federation of America (CFA) and the Credit Union National Association (CUNA) found that 12% of people said they were planning to spend more during the holidays than in the previous year. That number was up from 2011 where only 8% planned on spending more than in the previous year. For 2013, let’s help reverse this trend and plan on spending less and save more this holiday season!

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My Identity Was Stolen, Now What?

My Identity Was Stolen, Now What? | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

A Visual Guide to Getting Your Identity Back and How to Keep It From Happening in the First Place.

 

 

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Approved to offer credit counseling & debt management in New Jersey

Approved to offer credit counseling & debt management in New Jersey | Approved to offer credit counseling & debt management in New Jersey | Scoop.it

Advantage Credit Counseling Service has recently been licensed by the state of New Jersey to be able to provide professional credit counseling services and debt management services to consumers who live in NJ. Advantage CCS is a Non-Profit Credit Counseling agency that assists individuals through financial education.

 

 

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