About InCharge Debt Solutions

Online Credit Counseling & Debt Management Assistance

InCharge Debt Solutions is part of the InCharge Institute of America, Inc , one of the nation's leading financial wellness organizations. InCharge is a non-profit community-service organization offering confidential and professional credit counseling, debt management, and financial education programs to individuals nationwide. InCharge is committed to providing services that help consumers pay off their debts and achieve financial independence.

InCharge's Board of Trustees' have over 60 years of collective experience in the credit counseling and financial management industries.

Major Services

Credit Counseling and Debt Management

InCharge's experienced credit counseling professionals are available Monday through Friday from 8:00 a.m. to 11:00 p.m., Saturday 9:00 a.m. to 8:00 p.m. At the core of InCharge's credit counseling services is a comprehensive Debt Management Program for individuals experiencing financial trouble. Through the program, InCharge works with creditors to help individuals get out of debt without taking a loan.

Education Services
InCharge's Education Services department offers a variety of programs designed to help the general public use credit wisely and gain financial freedom. InCharge provides information on budgeting, managing cash flow, interpreting credit reports, using credit cards effectively, and understanding bankruptcy. In addition to a monthly educational newsletter, InCharge features innovative programs to help bring financial literacy to consumers nationwide.

InCharge

• has received non-profit status from the Internal Revenue Service under section 501 (c)(3) of the U.S. tax code.
• is headquartered in Orlando, Florida.
• is led by a five-member Board of Trustees with over 60 years of collective experience in the credit counseling and financial management industries.
• is supported by voluntary contributions from creditors, businesses, community organizations, and private individuals.

Leadership

Etta W. Money
President

As president of InCharge Debt Solutions (IDS), a leading nonprofit credit counseling organization, Etta Money heads a staff of professionals including more than 125 Certified Credit Counselors and Client Service Specialists dedicated to delivering personalized debt solutions through an innovative in-person, online and telephone counseling Care Center.

Since joining the organization in 1996, Ms. Money has served in the positions of executive vice president, chief financial officer and chief operating officer. She also serves as president and chief executive officer of InCharge Institute of America, Inc.

Prior to joining InCharge, Ms. Money held various executive and management positions with other organizations, primarily in accounting roles. Among the organizations she worked for were Freedom Network International, Inc., Riemer Muegge and Associates, Inc., and Rouse and Associates.

Ms. Money completed the University of Pennsylvania, Wharton School Executive Development Program in Financial Management, and also graduated from Harvard Business School’s Advanced Management Program. Ms. Money received her B.A. in Political Science and her B.S. in Business Management and Accounting from the University of Maryland.

Alberto M. "Al" Duarte 
Secretary

William R. Malseed 
Treasurer

Board of Trustees

Our Board of Trustees are independent, experienced professionals with diverse backgrounds that are not actual employees, so you can rest assured that InCharge is following ethical business practices.

Lonnie Ritzer, Esquire
Shapiro Sher & Guinot

Lonnie Ritzer is a business lawyer concentrating in tax law, partnership and corporate laws, real estate law, and financing transactions. Prior to joining Shapiro Sher & Guinot in 1987, Mr. Ritzer was a partner associated with the Baltimore firm of Gordon, Feinblatt, Rothman, Hoffberger, & Hollander, LLC, where he specialized in tax law. He serves on committees of the Bar Association of Baltimore City (Tax and Public Education), the Maryland State Bar Association (Transactional Tax and State Study Groups), and the Tax Section of the American Bar Association. Mr. Ritzer is a past President of the Baltimore Association of Tax Counsel, and has authored articles from various periodicals including the Journal of Taxation and the Maryland Bar Journal. From 1987 until 1992, he participated as a panelist in an annual seminar on Maryland Sales and Use Tax, and he has also guest lectured at the University of Baltimore School of Law. From 1991 to 1992, Mr. Ritzer helped draft the Maryland Limited Liability Company Act, and is co-author of a book on that subject, as well as a frequent lecturer.

Mr. Ritzer earned his J.D., with honors, from the University of Maryland School of Law, where he was elected to The Order of the Coif. He received his B.S., summa cum laude, from Brooklyn College of the City University of New York. Mr. Ritzer serves under the Maryland Bar and is admitted to practice before the United States District Court of Maryland and the United States Tax Court.

• Vicki Whitelaw
• Flo Watford
• Hugh Bleddyn

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