Departments
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 - Thursday: 8am - 6pm
Friday: 8am - 12pm
Bankruptcy Counseling
New or existing Bankruptcy clients
Toll Free: 1-866-729-0049
Certified Housing Counselors are available
Monday - Friday: 8am - 9pm
Holidays
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Thanksgiving
Day after Thanksgiving
Christmas Day
Hours of Operation
Live Chat Software
Speak with a counselor @ 
800-565-8953
Too Much Debt?
Find out what options you have...
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A+ Better Business Bureau Rating

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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
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