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 @ 

Habitat for Humanity Financial Education

Homeownership is a cornerstone of financial stability. At InCharge, we support the work of Habitat for Humanity by offering a free financial literacy course to those awarded Habitat homes.

We offer 10 week classes twice a year to new home owners.  Each home owner must complete these financial literacy classes to fulfill their required sweat equity hours.

The topics we cover are:
  • Welcome to financial literacy
  • Designing your spending plan
  • Budgeting and organizing your finances
  • Attitudes about money
  • Developing a savings strategy
  • Understanding credit and debt
  • Understanding insurance
  • Saving for retirement 
  • Understanding financial pitfalls
  • Saving for your home
***These classes are not open to the general public, they are hand selected by Habitat for Humanity through an application process.