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 @ 

InCharge Affiliates

InCharge Education Foundation, Inc.

InCharge® Education Foundation, Inc. (ICEF), a 501(c)(3) nonprofit organization, provides educational products and services that promote improved personal financial literacy of consumers nationwide, encompassing everything from community outreach workshops and eLearning tools to bankruptcy credit counseling and

Board of Trustees

ICEF serves consumers from many walks of life, civilians and military, students and the retired, and anyone who could benefit from personal finance education. Its educational tools and services include:

Military Money

Military Money is a leading source of financial literacy resources, tools and news for America’s Servicemembers. From the GI Bill to VA loans, frequent moves to deployment preparation, the military and their families face unique financial challenges. provides those who serve with empowering, timely information so they can Serve, Save and Be InCharge.

Mind Your Finances

Mind Your Finances is comprised of seven independent learning modules which cover topics such as understanding credit reports, credit terms and definitions, responsible use of credit, creating spending plans, goal setting, and other core financial skills.

Client Statement of Non-Discrimination

InCharge serves all members of the community. We do not engage in the practices of discrimination in the selection and participation of clients in our programs or services with respect to race, color, religion, gender, national origin, age, disability, or any other characteristic protected by law.