All office hours are Eastern Standard Time...
Credit Counseling
New credit counseling clients
Toll Free: 1-877-906-5599
Certified Credit Counselors are available
Monday - Friday: 8am - 11pm
Saturday: 9am - 6pm
Customer Service
Existing InCharge clients
Toll Free: 1-888-734-6229
Customer Service agents are available
Monday - Friday: 8am - 6pm
Housing Counseling
New or existing Housing clients
Toll Free: 1-877-712-6040
Certified Housing Counselors are available
Monday - Friday: 9am - 5pm
Bankruptcy Counseling
New or existing Bankruptcy clients
Toll Free: 1-866-729-0049
Certified Bankruptcy Counselors are available
Monday - Friday: 8am - 9pm
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Day after Thanksgiving
Christmas Day
Hours of Operation
Live Chat Software
Speak with a counselor @ 
Too Much Debt?
Find out what options you have...
Get Started
a 501c3 NonProfit Organization
A+ Better Business Bureau Rating

Get Started
Create your Debt Analysis account online.
Tell us about your unique situation.
Review your options.
Your privacy is our #1 concern. We use bank level security to protect your personal information.
Enter Your Email Address:
Confirm Your Email Address:
First Name:
Last Name:
Phone Number:
- -
Zip Code:
Create a Password:
Confirm Password:
Your Estimated Debt:
Yes, please send me free newsletters, tips and educational resources.
Or call one of our certified credit counselors at
Our Industry Leading Online Debt Analysis and Account Management Software
Take Action
InCharge can help you...
  • Consolidate credit bills into one easy monthly payment
  • Pay off your debt faster
  • Lower your interest rates regardless of credit score
  • Stop collection calls
  • Eliminate late fees and over-limit charges
  • Build a realistic budget and financial plan you can follow
Get Started