Departments
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 - Friday: 9am - 5pm
Bankruptcy Counseling
New or existing Bankruptcy clients
Toll Free: 1-866-729-0049
Certified Bankruptcy Counselors are available
Monday - Friday: 8am - 9pm
Holidays
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Thanksgiving
Day after Thanksgiving
Christmas Day
Speak with a counselor @ 
800-565-8953

How do I pay off debt fast?

How do I eliminate credit card debt as quickly as possible?

Many consumers come to us to find out how to pay off debts fast. Unfortunately, there is no magic formula that can be used to eliminate credit card debt. The most important goal is to understand how to pay off debt permanently. A good first step is to speak with a Certified Financial Counselor in a free credit counseling session who will help you find a way to repay your debts in a way that fits into your budget. You'll be offered educational tools to help you discover how to pay off credit card debt and keep the problem out of your life for good.

Is there a right way to reduce credit card debt?

One obvious answer is not to use your credit cards, and wouldn't it be nice if it were that easy? There's no single solution to reducing credit card debt. There are some steps you can follow:

  1. Only use credit cards as a last resort.
  2. If you must, use a credit card with a low interest rate.
  3. Focus on paying off your credit cards with higher APRs (Annual Percentage Rates) first.
  4. Make your payments on time to avoid any late or over-limit fees.

You can assess your debt situation by using InCharge's online credit counseling tool. With this tool, you'll receive a detailed budget analysis and a free copy of your credit report. You'll also get a recommended debt solution and if it is a debt management program, you can enroll immediately.

What are debt consolidation and debt settlement?

Debt consolidation is when you consolidate your many debt payments into one consolidated payment. Some companies consolidate your existing debt with a new loan. InCharge is able to offer debt consolidation without taking on a new loan. Read more about debt consolidation without a loan

Debt settlement is a process of contacting your creditors to see if they will accept a reduced one-time payment to close your accounts. Companies that offer debt settlement will tell you to stop making your credit payments and go into default. The idea they propose is that, after you've defaulted, they'll go to your creditors and try to negotiate a settlement where you pay only a portion of what the full balance. Often there are big upfront fee and tax implications and other negative factors that you will need to consider. Nonprofit credit counseling organizations like InCharge Debt Solutions offer you alternative solutions with less negative consequences in a free credit counseling session that will help you find the best debt solution for your situation.

How can I manage my debt or find a way to settle my outstanding debts?

Learning how to manage debt can be overwhelming, especially if your household income has been reduced. Credit counseling can help you understand the pros and cons of all of the solutions you may qualify for including debt consolidation, debt settlement and bankruptcy. Call the number above or start online credit counseling for detailed information on how to achieve lasting debt relief.