Make your payments on time. E-Pay is the best and easiest way to ensure that your payments on the debt management program are timely, since the amount is automatically deducted from your account on the day you specify. This eliminates the uncertainty of mail delivery or forgetting to obtain a money order or cashier’s check on time.
Review your creditors' statements. It is your responsibility to check your credit card statements to see if creditors have reduced interest rates and waived fees (if applicable), and to see that your payments are being applied correctly by your creditors. It can take up to three months for creditor benefits to be applied to your credit card accounts. InCharge does not see or receive copies of your creditor statements. Should you notice that an account has been turned over to a collection agency or that a creditor has changed an account number or address, let us know immediately. Keep your statements organized for reference by filing them in your InCharge Welcome Kit binder.
Once your debt management program is established, do not make payments directly to your creditors. Send all payments, including any late or extra payments you might be able to make, directly to InCharge Debt Solutions. If you decide to pay your creditor directly, they may elect to drop you from the Debt Management Program and reverse the benefits you received by participating in a debt management program.
Do not apply for or accept any additional credit. Doing so could result in the termination of your creditors’ participation in your DMP and deny you the many benefits you have been awarded. Remember, you’re trying to pay down your debt, not increase it!
Keep your personal information updated. Keeping your personal information updated will enable InCharge to provide you with the best possible service. Contact InCharge Client Services or log-in to your online account immediately with any changes to your name, address, telephone number, or email address.
Never miss or make a late payment. Doing so could risk your benefits, your reduced interest rates may be increased, and late fees could be imposed.