FAQs About Credit Counseling and Alternatives to Debt Consolidation

Here we provide the answers to your most common questions about being on a Debt Management Program (DMP) (which provides alternative solutions to debt consolidation), and what you can expect from credit counseling and the benefits provided by InCharge Debt Solutions.

FAQs About InCharge Debt Solutions

• What are the benefits of InCharge?
• What is InCharge Debt Solutions?

Credit Counseling FAQs

• I do not feel comfortable/want to give you my Social Security Number, what can I do?
• I am behind on my mortgage as well. Is there anything you can do for me?
• What is debt management?
• How do I know when to use credit counseling?

Debt Management Program FAQs – Before Joining

• What is the InCharge DMP?
• How does the InCharge Debt Management Program work?
• What can I do to be successful on a Debt Management Program?
• Will being on a Debt Management Program affect my credit report or credit score?
• Why should I include all of my credit card accounts on the program? Would it be okay if I just held on to one of them?
• What special services does the InCharge Debt Management Program offer?
• How many accounts can I put on the Debt Management Program?
• My boyfriend/girlfriend and I share our bills and would like to put our bills together on the same account - is that possible?
• My boyfriend/girlfriend and I do not share accounts as co-applicants. Can we still enroll our debts together on your program?
• What do I do if I do not have all of my creditor information?
• What if my accounts are in my maiden name?

Debt Management Plan FAQs - After Joining

• What happens after enrolling with InCharge Debt Solutions?
• When will I receive benefits from my creditors?
• My name is on the accounts, but someone else will be making the payments. Is that okay?
• Can I pay more than my monthly payments?
• How do I know if my payment was received?

Self-Help Debt Solution FAQs

• How do I deal with collection calls?

General debt-related FAQs

• How do I eliminate credit card debt in the fastest way possible?
• What are debt consolidation and debt settlement?
• Is there a “right way” to reduce credit card debt?
• What steps should I take to qualify for a mortgage?
• How do I calculate debt-to-income ratio?
• How can I manage my debt or find a way to settle my outstanding debts?
• Is there such a thing as a “how to get out of debt calculator?