What Will My Credit Counseling Session Be Like?

With InCharge's new Debt Solutions Wizard, you can get started online. Within minutes of receiving your credit report information and the answers to a few questions, you will be presented with some of the the various solutions available to you. To activate the solution you choose, you’ll need to call us. One of our Certified Credit Counselors will work with you to verify your information, confirm the recommended solutions and help you implement your preferred option. That is why our Debt Management Program is only a portion of what we do – we are a Credit Counseling and Financial Education Organization first and foremost.

We encourage you to start the process online by setting up an account on our website. That way, you can access your information at anytime and you’ll be ahead when you call our toll-free number for your free credit counseling session. When you call InCharge Debt Solutions, here’s what you can expect:

Step 1: First, you will be asked a series of questions in order to identify the root cause of your financial distress. We want to ensure that we have a thorough understanding of the circumstances that have caused your financial burden so that we may provide a counseling session that's customized to your personal situation.

Step 2: Next, if you haven’t already done so online, your counselor will ask you for permission to access your credit report in order to assemble an accurate list of your creditors and debts. This will be a "soft hit," meaning that it will only pull certain information and will not impact your credit score. The ability to automatically download this data makes InCharge Debt Solutions unique because it is something no other credit counseling agency does. Our system enables us to verify specific creditor information and cross reference it with your personalized monthly spending plan. With this knowledge and a comprehensive understanding of your financial situation, we can begin to find the right solution for you.

Step 3: The third step in the counseling process is to identify the appropriate solution for your specific situation. InCharge offers a variety of programs intended to aid individuals in eliminating their debt and achieving financial health. Throughout your customized counseling session, you will be advised of our many resources – one or more of which will be able to effectively provide the financial relief you need.

Step 4: Once a desired solution has been identified, your counselor will help you complete a monthly spending plan/budget. This budget will provide an insight as to exactly how much money you are spending each month versus your total monthly household income. In addition to the budgeting assistance, your counselor will continue to educate and counsel you to ensure that the solution chosen is working effectively.