Here we provide the answers to your most common questions about InCharge Debt Solutions and our services, about being on a Debt Management Program (DMP), what alternative solutions are available to consolidate debt, and what you can expect from credit counseling, and the foreclouse prevention and pre-purchase Housing Counseling we offer.
- What is InCharge Debt Solutions?
- Why choose InCharge?
- What are the benefits of working with InCharge?
- How many people has InCharge helped?
- How can InCharge help me?
- If InCharge is nonprofit, how is it funded?
- How do I get access to InCharge services?
- Are there fees for InCharge services?
- Is the InCharge website and data system secure?
- Why are certified financial counselors important?
- Is counseling confidential?
- Will InCharge report financial information to the IRS or credit reporting agencies?
- How do I know when (and where) to seek credit counseling?
- How long will my counseling session take?
- What should I have available for my counseling session?
- Will I need to provide my Social Security Number?
- I've heard the term "Debt Management" - what's that?
- What is the InCharge DMP?
- How does the InCharge Debt Management Program work?
- What will I need to do to be successful on a DMP?
- Will being on a DMP affect my credit score?
- Must I have all my credit card accounts on the DMP? Can I keep one account off?
- What special services does InCharge offer as part of a DMP?
- How many credit accounts can I put on the Debt Management Program?
- I share bills with my boyfriend/girlfriend; can we put everything on the same account?
- I may not have access to all my creditor information; can I still enroll?
- What if creditor accounts are in my maiden name?
- I just signed up for a DMP; now what happens?
- Once I'm on a DMP, when will creditors start lowering interest rates, dropping late fees, etc.?
- My name is on the DMP account; is it okay if someone else makes the payments?
- Can I pay more than my monthly payments?
- How do I know if my payment was received?
- Even though I'm on a DMP, I'm still getting collection calls; how do I deal with them?
- How do I eliminate credit card debt as quickly as possible?
- Is there a "right way" to reduce credit card debt?
- What are debt consolidation and debt settlement?
- How do I calculate my debt-to-income ratio?
- How can I manage my debt or find a way to settle my outstanding debts?
- Is there such a thing as a how-to-get-out-of-debt calculator?
- If I'm also behind in my mortgage, can InCharge help?
- What steps should I take to qualify for a mortgage?