How do I get access to InCharge services?
We offer credit counseling services over the telephone, online and face to face (for those in the Central Florida region). Here's how to get started.
- Call the number above to speak to a Certified Credit Counselor
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Get Started Online
- Go to Money 101
- Central Florida residents: to schedule an in-person counseling session, call the number above.
Are there fees for InCharge Debt Solutions services?
Your initial counseling session with a Certified Financial Counselor to assess and discuss your financial situation is FREE. If you decide to participate in a Debt Management Program (DMP), there are nominal fees to cover the cost of setting up and administering your program. As a non-profit organization, these fees are limited by state regulations and are typically low (an initial set-up fee is $49 or less and monthly program fees are $50 or less). InCharge credit counselors may reduce or eliminate these fees depending on your situation.
Is the InCharge website and data system secure?
InCharge has a documented Privacy Policy and strict standards to ensure data security. Our website is McAfee-secure and tested regularly. It's also "VeriSign Secured" which means we use encrypted data transmission. All information you provide is held as strictly confidential under the InCharge Privacy Policy.
InCharge Security: How We Protect Your Personal Infomation
Why are Certified Financial Counselors important?
When you're struggling with financial burdens, the last thing you need is bad advice from either poorly trained or sales-oriented "advisors." InCharge is a leading nonprofit organization that provides only Certified Financial Counselors who are carefully trained, monitored and audited. They are all experienced in working one-on-one with people like you to apply proven techniques and solutions to improve your financial situation. Our Financial Counselors are certified through national organizations including the Institute for Financial Literacy (IFL), the Association for Financial Counseling, Planning and Education (AFCPE), National Foundation for Credit Counseling (NFCC). Housing Counselors are certified through national organizations such as the National Council of La Raza (NCLR), NeighborWorks America and the NFCC. As part of these certifications, counselors pass a series of exams and continue with ongoing education to maintain their certified status.
Is counseling confidential?
Anything discussed or gathered in a session is confidential. All of your records are kept in a secure location. Your financial information will not be shared with anyone unless we have your written permission
Will InCharge report financial information to the IRS or credit reporting agencies?
InCharge does not report your financial information to the IRS or any of the credit reporting agencies.