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
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Debt Consolidation Nonprofit

If you are looking to consolidate your debt payments into one convenient monthly payment, you may want to work with a non profit debt consolidation firm. 

Why work with a Non Profit?

Non profit organizations are dedicated to improving the financial lives of the people they serve. When you work with a non profit credit counseling agency, you will be treated to high quality credit counseling and offered financial solutions that are best-suited to your situation, not driven by a sales commission or profit motive. Many for-profit financial institutions are criticized for offering products, services and advice that benefit the firm's bottom line more than the client. 

InCharge is a 501(c)(3) non profit organization. Our mission is to help you find debt relief and our advice is based on the details of your personal situation. We may tell you that bankruptcy is your best option and refer you to a bankruptcy attorney. We may recommend our debt management program: a program that consolidates your payments into one, and request lower interest rates from your creditors on your behalf. Our counselors may determine that you qualify for a government housing program that can lower your monthly mortgage payments. As a nonprofit, we help you regardless of your ability to pay for counseling and other services. 

What is Non Profit Debt Consolidation

Non profit debt consolidation, also known as a debt management plan, is a debt relief solution that may be recommended to you after completing a credit counseling session. You can start a counseling session online or call the number on the right to speak with a certified credit counselor. During the session, you'll identify the root cause of your financial problems, develop a personal budget that maximizes savings, and be provided with a debt relief solution that best meets your personal situation. One potential solution is the debt management program. Here are the features of this program:
  • Consolidate credit bills into one easy monthly payment
  • Pay off your debt faster (debt free in 3-5 years)
  • Lower your interest rates regardless of credit score
  • Stop collection calls
  • Eliminate late fees and over-limit charges
  • Build a realistic budget and financial plan you can follow
If a debt management program is not the best solution for you, we may recommend bankruptcy and refer you to a bankruptcy attorney. We may also provide you with referrals to governmental and non profit organizations that can help you improve your overall personal  financial situation.

Get Started Now on a path to financial freedom with online credit counseling. If you'd prefer to speak with a live credit counselor, call the number on the right.

Learn more about Debt Consolidation from the articles below:

What Is A Debt Consolidation Alternative
How Do I Get Free Debt Consolidation
How Does Debt Consolidation Online Benefit You
What Are Debt Consolidation Programs