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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
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Day after Thanksgiving
Christmas Day
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Military Debt Relief

Military Debt Help for Military Service Members and Families

InCharge Debt Solutions recognizes that service members from all branches of the US military face the same financial challenges confronting many Americans, greatly compounded by the nature of military service where “mobility” is a reality of life. 

InCharge offers nonprofit credit counseling to military service members and their families, free of charge. 

For those that qualify for the debt management program, InCharge is proud to waive the set-up fee for service members and their families, as well as provide a deeply discounted monthly fee of $10 (a $40 per month discount). 

As a way of honoring military service and showing appreciation for the sacrifice of military families, InCharge offers these tailored resources:      

  • Military Money: InCharge is proud to publish Military Money, a comprehensive personal finance website for servicemembers and their families. Find informative articles, videos and podcasts about the GI Bill, VA loans, Thrift Savings plans and much more.
  • Free printed military guide books to military bases as well as motivational on-base workshops. Recent publications include Defending Your Home, a guide to military housing issues, and Transitions: Where Do I Go from Here? How to transition from military to civilian life. 
  • Active-duty discounts for the InCharge Debt Solutions debt management program. More information about InCharge fees.
  • Free personal finance education which include articles, tools and resources are available through InCharge’s website, including the daily personal finance tips-oriented podcast Military Money Minute.  The MilitaryMoney website earned Top Ten Status in Kiplinger’s “Personal Finance Guide for Military Families, 2009.”

Additional Online Resources for Military Families

Military OneSource: This service is provided by the Department of Defense at no cost to active, Guard and Reserve (regardless of activation status) and their families.  The program provides Service Members with a connection to an NFCC Member Agency (InCharge Debt Solutions is a member) and provides funding for up to 12 counseling sessions per family.  

MilitaryHOMEFRONT: This DoD website is the place to visit to get the most accurate and up-to-date information about DoD programs serving troops and their families.  

MilitaryINSTALLATIONS: This is the official DoD source for installation and state resources available to active duty, guard and reserve service and family members.

Plan My Move:  This is a part of the DoD’s Military HOMEFRONT website that will put you and your family in charge of a smooth relocation to your new duty assignment. 

U.S. Military Personnel and Veterans page of Here, you’ll find resources and official information for active duty military personnel, including history, support for families, benefits, career assistance, education and much more.

Service Members HomePage, Consumer Financial Protection Bureau: This government website has sections on Planning Your Future and Protecting Your Finances and much more.

Veteran’s Affairs Website: The U.S. Department of Veterans Affairs provides detailed information on health care benefits, life insurance, pensions, home loans, survivor benefits, education and much more. This is a good resource, which explains in plain language the many benefits available to active duty personnel, reserves, National Guard, retirees, veterans and their families. 

InCharge website provides military debt relief information, tips and tricks on home ownership, pay & benefits, military life, investment and retirement, taxes, debt help, banking and saving and auto loans and much more.

More information on InCharge Resources for Service Members