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Credit Counseling

InCharge has offered free credit counseling since 1997 to over 1 million people like you who were overwhelmed by financial troubles and needed debt relief. Our professional team of Certified Financial Counselors offer individual advice and coaching. They'll listen to you, develop a current financial "snapshot" and then offer a customized solution for debt relief. You'll get expert help on making and balancing budgets, managing your money, using credit wisely, and building a savings plan.  Learn more about free budget and credit counseling here.

What Happens in a Credit Counseling Session?

Whether you call or complete credit counseling online, the process is the same. You will begin by identifying the root cause of your financial problems. You will then answer questions about your current budget, providing information about your income and your expenses. We'll figure out how much cash flow you have available at the end of the month to pay your debts. We will also provide savings tips for each category where you may be currently overspending, in order to balance your budget and find additional money to pay off your debts. 

After the budget portion of the session, we'll recommend a debt relief solution. The solution will be based on your assets, income and expenses. We may recommend the InCharge Debt Management Program. This program consolidates your payments into one monthly payment and helps you pay off your debt faster with lower interest rates from your creditors. Another potential solution to your debt problems may be bankruptcy, if we determine that you do not have the income necessary to pay off your debts in a reasonable amount of time. We'll also refer you to other nonprofit agencies that can help you improve your overall financial health. 

How Long Does Credit Counseling Take?

Your credit counseling session should take approximately 20 minutes to complete. After the initial credit counseling session, you can discuss your solution with your counselor. During online counseling, you should review your solution in detail, compare it to other options, and make a decision about going forward. If you start online counseling but then want to speak to a live credit counselor, you should call with your client ID and a telephone counselor will be happy to assist you. You won't need to start over on the telephone and provide information you've already submitted online.

Debt Management 

Considering debt consolidation? InCharge's debt management program is a debt consolidation alternative that helps you get out of debt without taking out a new loan. If you qualify, program benefits will help you get out of debt faster and build a solid financial future. 

  • Consolidate credit bills into one easy monthly payment
  • Pay off your debt faster
  • Lower your interest rates regardless of your credit score
  • Stop collection calls
  • Eliminate late fees and over-limit charges
  • Build a realistic budget and financial plan you can follow

Bankruptcy Courses

InCharge is a leading provider of bankruptcy education, having delivered more than 1 million online courses since 2005. Learn more about our bankruptcy education program at

  • Bankruptcy Pre-File Counseling
  • Bankruptcy Pre-Discharge Debtor Education
  • Attorney Management System and Referral Program

Housing Counseling

Money 101

Check out our library of helpful financial education articles and interactive tools. It's never too late to start budgeting, saving and planning for a financially prosperous future. 

Related Credit Counseling Articles:

Guidelines for selecting a reputable credit counseling agency
Why provide credit counseling before debt management
For-profit credit counseling agencies vs. nonprofit credit counseling
What happens during a credit counseling session