InCharge Debt Solutions offers many benefits for consumers with credit card debt problems. Among the most important is the free credit counseling session with a certified credit counselor available via a toll-free call, or in person for consumers in the Central Florida area. During the counseling session, consumers have the opportunity to ask questions, learn about personal finance, examine their debt situation and, with the assistance of a certified credit counselor, consider the various solutions that are available. InCharge Debt Solutions continues to help after consumers choose the solution that is right for them through education and online personal finance tools.