An InCharge Client Testimonial - Debt Consolidation Program

John: Reno, Nevada

Financial trouble doesn't discriminate against those with a vast knowledge of their own finances and how to manage them. John had worked in the financial field for many years, and it was a divorce that escalated his situation to the point where he needed alternatives to debt consolidation programs such as InCharge’s Debt Management Program (DMP).

When John and his wife finalized their divorce, he was left with the responsibility of repaying the more than $8,000 in debt they had accumulated on three credit cards. Specifically, he was unable to manage an account he had with a creditor. With the constant monthly late fees and over the limit fees, John confessed, "I just never get caught up." He was honest enough to admit that he was consciously trying to resolve this situation on his own, but simply couldn't. Finally, he called the creditor to see if they could help him and that's when "they recommended us to you (InCharge)."

After being on the program, John is relieved knowing he has his finances under control once again. "The thing that you guys did that I couldn't do, is this—you were able to work with the credit companies to get the fees knocked down and the interest rates that I was paying down to where they were more workable." John states that his credit score has improved and advises anyone who is considering debt consolidation to look at alternatives such as a Debt Management Program or DMP -- and to do it as soon as possible. "Get into a . . . program as soon as they (your creditors) recognize that there is a problem. Get the problem resolved and then don't allow it to happen again."