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
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 @ 

What happens during Credit Counseling?

What happens during a credit counseling session and how long will it take?

On average, a credit counseling session take about 30 minutes. Whether you pursue online credit counseling or telephone counseling, here is what will happen during your session:

  1. Information: You'll provide basic contact and demographic information.
  2. Financial Situation: You'll share information about your income and assets.
  3. Budget: You'll provide a detailed list of your expenses. You'll receive a detailed analysis of your expenses and recommendations for how to reduce them.
  4. Debt: You'll pull your credit report for a detailed list of your current debts.
  5. Solution: You'll receive a personalized debt relief solution. 

If the Debt Management Plan is the best solution for your situation, you will be provided with:

Regardless if you are online or contacting one of our counselors by phone, finding the best solution to your debt problem can be done from the privacy of your home and on your time schedule. 

What should I have available for my counseling session?

To make the session as valuable as possible and to limit the amount of time required, you should have a list of current expenses (what you pay monthly for rent/mortgage, utilities, cell phones, car loans, school loans, food, etc.). You'll also need to know your monthly household income. It is helpful to have access to recent creditor statements, but not required. 

Will I need to provide my Social Security Number?

When you work with a Certified Financial Counselor, it's important that they have all your financial information at hand in order to understand your complete credit situation and offer a personalized solution. Your counselor will request your social security number, but be assured that all personal information is confidential and carefully protected. By providing your social security number, your counselor will be able to pull your credit report and review your total debt situation. You will receive a copy of this report.