The InCharge Debt Management Program offers a convenient structured plan to help you pay your debts and regain financial stability. Our counselors evaluate your income, expenses, assets and liabilities, help you with personal and then work with your creditors to obtain lower payments, reduced interest rates and/or waived fees. Based on the information you provide, the counselor will explain the various solutions that may be right for your particular situation. If a Debt Management Program is one of the solutions and a plan agreeable to you has been established, you make one monthly payment to InCharge. InCharge then disburses your payment directly to your creditors. It's that easy. Payments are made on-time, every time, as long as you do your part and make your monthly payment to InCharge on-time!