I just signed up for a DMP. Now what happens?
After you start an InCharge Debt Management Program (DMP), you are on your way to a new life of financial stability and freedom from debt-stress! If you enrolled online, you can complete much of the necessary process, and then will be required to speak with an InCharge certified credit counselor before activating your DMP. If you called us directly, your InCharge counselor will be able to help you activate your DMP. Once your DMP is activated, you will be given an account number, instructions on how to access your "online client account," and presented with a toll-free number to client services where you will have access to any information you may need.
Once I'm on a DMP, when will creditors start lowering interest rates, dropping late fees, etc.?
Most creditors will start granting these benefits once they've accepted your DMP proposal. Some, however, may hold these benefits until you've made your first three payments on time. That's why it's important to carefully review your monthly creditor statements; when these benefits are granted, you'll see them on your statement. You should also check each month to make sure that you are receiving credit for all payments made through InCharge.
My name is on the DMP account. Is it okay if someone else makes the payments?
If payments on your Debt Management Program (DMP) will be made from a bank account other than your own, we must first receive an authorization letter from the bank account holder. The letter can be addressed to InCharge Debt Solutions and should reference your DMP account number, indicating the name of the person who will be submitting payments on your behalf. Also, you must be sure to include your complete name and InCharge DMP account number on the check to ensure it is posted to your InCharge account with no problems.
Can I pay more than my monthly payments?
Yes. You can always pay more than the minimum amount required in your Debt Management Program, but never less. If you are going to pay more than the minimum payment on a one-time only basis, please contact our Client Services Department, letting them know that this will be one-time only and what amount you will be paying. They can make adjustments on your account and the posting of your payment will not be delayed. If you plan to pay a higher amount regularly, please also contact Client Services so they can revise your account.
How Do I Know If My Payment Was Received?
When you enroll in an InCharge Debt Management Program (DMP), you will be given an account number along with instructions on how to get information on your DMP through our online "Client Services" administration area. Using a simple login and password, you will have access to your account 24 hours a day, 7 days a week through our Client Services Center website. Of course, you also will be given a toll-free number where you can call an InCharge client services representative for direct information and assistance.
Even though I'm on a DMP, I'm still getting collection calls. How do I deal with them?
Even though you have a DMP in place, you still might get collection calls. In some cases, it may take up to three consecutive on-time payments through the plan before calls stop completely. Should a creditor call, please inform them that you are working with InCharge Debt Solutions. If they call again, notify your counselor at 877-486-4916, and he or she will contact the creditor. It's important not to ignore any mailings or calls from your creditors, so please keep us informed of any contact you have from your creditors or their collection agencies as soon as possible.