Looking for Credit Card or Debt Consolidation Help?

InCharge Offers Alternative Solutions to Those Looking for Debt Consolidation or Credit Card Debt Help

InCharge Debt Solutions is a nonprofit, community-service organization offering confidential and professional credit counseling, debt management and financial education to individuals seeking credit card debt help and debt consolidation help alternatives.

Over the past several years, InCharge Debt Solutions has made significant investments in its credit counseling practice. Through innovations in technology, training and customer service, InCharge is now capable of providing you with an unprecedented level of proactive support. We have provided relief and education to over one million debt stressed consumers with our solutions-based counseling approach.

At InCharge Debt Solutions, our mission is to provide relief to financially-distressed individuals and families. We provide consumers with education and personal financial management tools that will enable them to use credit responsibly and set a course for a financially-stable and successful future.

Professional. Personal. Private. At InCharge Debt Solutions, our Certified Credit Counselors will work one-on-one with you to provide the personalized attention necessary to find a solution that meets your needs. Our counselors take a proactive role, staying in close contact to ensure you receive the support you need to be successful on the program. Every InCharge counselor must receive accreditation through the Association for Financial Counseling and Planning Education (AFCPE), an independent certification provider. In addition to personalized counseling, you will benefit throughout the term of your relationship with us from specialized communications, including newsletters, emails and educational products, all designed to update, educate, and motivate. All communications are completely confidential and discreet to ensure your privacy.

Solutions-Based Approach While we offer Debt Management Programs, we recognize that they are not the answer for everyone. For individuals we feel would not qualify for or benefit from a DMP, we provide budget assistance, money management education and, if applicable, referrals to social service agencies or partners that can help with mortgage problems or student loans.

Proactive Innovations At InCharge Debt Solutions, our unique relationship with major credit reporting agencies allows counselors, with your permission, to view select portions of your credit report during your very first call. This means your counselor can instantly access the most accurate, complete and timely credit information.

The result: in many cases your counselor can complete a proactive counseling session in one call and provide immediate relief – something few, if any, other counseling agencies can promise!

Operational Efficiencies InCharge Debt Solutions uses the latest technology to benefit our clients. For those on one of our Debt Management Programs, we utilize Electronic Funds Transfer (EFT), auto-debit to their bank account, and electronic communication with clients and their creditors. You can call us toll-free from anywhere in the United States, contact us via the Internet, or access your account information on our website, www.incharge.org. We strive to continuously improve our technology and processes that enable us to provide you with the best service possible.

Benefits that last a lifetime The benefits of InCharge Debt Solutions continue long after your initial counseling session, regardless of whether or not you enroll in our Debt Management Program. Our counseling and educational services help you develop a long-term plan for managing your finances. Through our website and through personal finance publications like Next Step: A Monthly Guide to Reaching Your Financial Goals and YourMoney: A Guide to Managing Your Credit and Debt, we address issues such as budgeting, managing cash flow, understanding credit reports, using credit effectively and avoiding bankruptcy. With our help, you won't just get out of debt—you'll have the tools you need to stay out of debt.

Sound Business Practices InCharge is dedicated to providing the highest level of quality and operates under the most stringent of professional guidelines. As part of our commitment to excellence, InCharge undergoes independent audits, is certified under the ISO 9001:2000 standard, and is a member of the Association of Independent Consumer Credit Counseling Agencies (AICCCA) and the Better Business Bureau.