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 40 years by providing expert credit counseling and our debt management program. As a non-profit credit counseling organization incorporated in 1968, Advantage Credit Counseling Services 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. 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). Our Maryland license number is 14-89.