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This is an important first step because it helps your credit counselor and the online credit counseling system determine all of your potential options to better manage your money and get your debt under control.

Second, after examining your monthly income and comparing it with your expenses, we’ll identify any shortfalls in your budget.

Don’t give up because there is help and there is HOPE.

Remember, if this is an emergency please dial 911 or call the National Suicide Prevention Lifeline at 1.800.273.8255” Understanding Depression Understanding Anxiety Understanding Dating Relationships Understanding Cheating in Relationships Relationship Advice for Guys Relationship Advice for Girls Getting Over a Broken Heart Understanding Suicide Understanding Self-Harm & Cutting Understanding Self-Worth & Self-Hate Understanding Friendships Understanding Abandonment Understanding Loneliness Understanding Lying Understanding Post-Traumatic Stress Disorder (PTDS) Understanding Bullying Understanding Divorce Understanding Eating Disorders Understanding Forgiveness Understanding Grief & Loss Understanding Porn Addiction Understanding Sexual Abuse Understanding Substance Abuse Unplanned Pregnancy Understanding Screen Addiction Depression Suicide Self-Harm Self-Worth & Self-Hate Why Wait for Sex?

Feel free to send your contact an interesting article or a follow-up note a few weeks down the line about the progress you’ve made in your job search.

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Others like groceries or gifts can be more difficult to identify.

After contacting Advantage CCS, you can expect to receive a personal response from a credit counselor within one business day.

It Starts With a Conversation: First, your counselor will determine your net monthly income and ask you various questions that will help to estimate your monthly expenses.

We do this by always listening to you first and then providing you all of the information you need to make the best decision for yourself and family.

Rest assured, our counselors are certified, experienced and caring professionals who are ready to put you on a path toward financial freedom.

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