The InCharge Debt Management Program (DMP) helps put consumers in a position to be able to repay unsecured debts in a shorter time than they could on their own. Although it may sound like a consolidation loan, our program is entirely different. Unlike a loan, InCharge works with your creditors to reduce interest rates, re-age accounts, and eliminate late- and over-limit fees. Once an agreement with your creditors is reached, you make a scheduled monthly payment to InCharge Debt Solutions for disbursement to your creditors. InCharge Debt Solutions has many educational programs and financial tools designed to help you complete the Debt Management Program and achieve good money management success after the program.