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
Speak with a counselor @ 

In the Community

InCharge Workshops & Outreach Events

We are involved in numerous programs designed to educate those seeking financial literacy assistance. Whether it’s an InCharge event or one that we co-sponsor with another quality organization, consumers can find the best information and resources on this page for credit counseling, money management, and more.

Interested in partnering with us on a community service project or having us talk to your group about financial literacy topics? We welcome the opportunity to further our mission of improving financial literacy and can share our knowledge with groups small or large in the areas of credit counseling, bankruptcy, budgeting, debt solutions and housing counseling among others.

For more information on any of these events or to find out how your group can work with InCharge on a workshop or financial literacy seminar, please contact Shawn Walsh at or call (407) 532-5894.

Housing Counseling: 

InCharge Debt Solutions has also been approved by HUD, (United States Department of Housing and Urban Development) since 2009 to provide pre/post purchase counseling, foreclosure prevention and homebuyer education.   Our comprehensive services are available via telephone, face to face counseling sessions or workshops.

Homebuyer Education Workshops: 

This HUD-approved course includes instruction in the financial and practical aspects of buying and maintaining a home.  The consumer will learn about:

  • Credit Requirements for obtaining a home
  • Creating a budget and savings strategy
  • Debt to Income Ratios and how they impact your mortgage readiness
  • Availability of mortgage loan and down payment assistance programs in the community

For more information or to register for this FREE workshop, click here.  ***Please note, our classes are offered on the 2nd and 3rd Saturday of each month.

Foreclosure Prevention Workshops:

InCharge also partners with various organizations in the community to provide an extensive overview of the resources and programs that are available to help borrowers avoid foreclosure. 

Our Foreclosure Prevention workshops cover:

  • Stages of Delinquency and Consequences
  • Where to obtain FREE quality assistance
  • How to Avoid Foreclosure Scams
  • Available Programs

If you are interested in speaking to someone to set up a workshop, (click here – we need to create a registration page that sends us an alert)

A representative will respond to your inquiry within 24 hours.   ***Please note, our workshops are offered in the evenings and/or Saturdays. 

Credit Counseling and Financial Literacy Workshops:

We believe that education is essential to promoting financial fitness, we provide workshops to many organizations including, schools, employers, military members, banks, and credit unions:  During our workshops we will discuss:

  • Credit and Debt 
  • Designing a Spending Plan
  • Understanding and improving your credit score
  • Develop a Savings Strategy
  • Attitudes About Money
  • Importance of building your 401k plan
  • Review your financial situation to provide you with options

Community Service

Community involvement is an important aspect of the culture at InCharge. Employees volunteer their time and money supporting local Central Florida nonprofits.

Below is a partial listing of community service events InCharge is actively involved in.

  • A Gift For Teaching
  • Junior Achievement of Central Florida
  • Second Food Harvest
  • Boys & Girls Club of Central Florida
  • American Red Cross
  • Habitat for Humanity
  • Middle School AVID Programs