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
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Day after Thanksgiving
Christmas Day
Speak with a counselor @ 

InCharge® Debt Solutions (IDS) is a 501(c)(3) nonprofit organization offering confidential and professional credit counseling, debt management services, bankruptcy education, housing counseling and educational initiatives promoting financial literacy.  InCharge is trusted and reputable and has helped over a million people like you repay a staggering $2.8 billion in debt.  With an A+ rating from the Better Business Bureau, InCharge is also a member of the National Foundation for Credit Counseling (NFCC) and is accredited by the prestigious Council on Accreditation (CoA).  When your financial future is a stake, you want to partner with a trusted leader who provides sound, legitimate and proven solutions for getting out of debt.

Our Mission

InCharge helps people achieve and maintain a better financial future through high quality, responsive counseling and personalized education.

Our Vision

InCharge improves the lives of people seeking a better financial future.

InCharge in the News

InCharge is a leading source of information and expertiese for local, regional and national media. From The York Times to Fox Business News, InCharge is a regular source of expertise, data and insight on consumer financial matters.

Years of Experience

InCharge is a well-established nonprofit organization, helping people like you since 1997.  InCharge’s Certified Financial Counseling team has many years of experience working with people in all walks of life with every degree of debt load.  They listen to you, provide sound and legitimate advice and offer realistic solutions customized to your unique situation.  Best of all, they’re your partner in conquering debt by developing a specific action plan that gets you out of debt in a reasonable amount of time.  They also direct you to InCharge’s extensive library of educational materials, tools, calculators and other resources to equip you for a future of carefree, debt-free living. 

Corporate Officers

Annual Report

InCharge Education Foundation, Inc.

InCharge® Education Foundation, Inc. (ICEF), a 501(c)(3) nonprofit organization, provides educational products and services that promote improved personal financial literacy of consumers nationwide, encompassing everything from community outreach workshops and eLearning tools to bankruptcy credit counseling and Military Money.

ICEF serves consumers from many walks of life, civilians and military, students and the retired, and anyone who could benefit from personal finance education. Its educational tools and services include: 

Military Money is a leading source of financial literacy resources, tools and news for America’s Servicemembers. From the GI Bill to VA loans, frequent moves to deployment preparation, the military and their families face unique financial challenges. provides those who serve with empowering, timely information so they can Serve, Save and Be InCharge. 

Client Statement of Non-Discrimination

InCharge serves all members of the community. We do not engage in the practices of discrimination in the selection and participation of clients in our programs or services with respect to race, color, religion, gender, national origin, age, disability, or any other characteristic protected by law.