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
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Why InCharge?

What is InCharge Debt Solutions? 

InCharge Debt Solutions is one of the nation’s leading 501(c)(3) nonprofit organizations dedicated to providing debt management,  credit counseling, foreclosure prevention, and housing counseling to debt-stressed consumers.  InCharge is a nonprofit organization and offers free credit counseling and consumer debt solutions.  Established in 1997, the organization is located in Orlando, Florida. Its mission is to help people achieve and maintain a better financial future through high quality, responsive counseling and personalized education.

Why choose InCharge?

For over 14 years, InCharge’s Certified Financial Counselors have helped thousands of people struggling with credit card debt, going through bankruptcy or facing foreclosure on their home.  As a leading nonprofit organization with an A+ rating by the Better Business Bureau, we are members of and adhere to the professional standards of the National Foundation for Credit Counseling (NFCC) and are accredited by the Council on Accreditation (COA) and are a HUD-approved housing counseling agency.  InCharge is dedicated to providing professional, confidential, and expert counseling services certified by independent audits and accreditations.

What are the benefits of working with InCharge?

InCharge Debt Solutions offers consumer debt solutions for consumers with credit card debt problems.  Among the most important is the free credit counseling session with a Certified Credit Counselor available via a toll-free call, or in person for consumers in the Central Florida area.  During the credit counseling session, consumers have the opportunity to ask questions, learn about personal finance, examine their debt situation and, with the assistance of their InCharge counselor, consider the various solutions that are available. InCharge Debt Solutions also helps consumers navigate an extensive library of online educational and personal finance tools.

How many people has InCharge helped?

InCharge has worked with over 1.2 million clients.  On their behalf, InCharge completed over 38 million debt payment disbursements to over 260,000 creditors, totaling over $2.8 billion.

How can InCharge help me?

InCharge’s Certified Financial and Housing Counselors are experienced, well-trained and understand the difficulties many Americans face during these tough economic times.  They listen and they care.  They work with you to assess your financial situation and then provide a clear action plan to help you achieve financial freedom.  During your free and confidential one-on-one counseling session, you’ll get expert advice on any budget, debt, housing or bankruptcy issues you face.  As a leading nonprofit organization, InCharge provides financial education, community resources and various consumer debt solutions that can be tailored to your specific needs.

If InCharge is nonprofit, how is it funded?

As a non-profit organization, we rely on grants, voluntary contributions from creditors who participate in our debt management programs, donations from financial institutions, and client fees.