Departments
All office hours are Eastern Standard Time...
Credit Counseling
New credit counseling clients
Toll Free: 1-877-906-5599
Certified Credit Counselors are available
Monday - Friday: 8am - 11pm
Saturday: 9am - 6pm
Customer Service
Existing InCharge clients
Toll Free: 1-888-734-6229
Customer Service agents are available
Monday - Friday: 8am - 6pm
Housing Counseling
New or existing Housing clients
Toll Free: 1-877-712-6040
Certified Housing Counselors are available
Monday - Friday: 9am - 5pm
Bankruptcy Counseling
New or existing Bankruptcy clients
Toll Free: 1-866-729-0049
Certified Bankruptcy Counselors are available
Monday - Friday: 8am - 9pm
Holidays
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Thanksgiving
Day after Thanksgiving
Christmas Day
Speak with a counselor @ 
800-565-8953

Board of Trustees

Guiding the InCharge® Education Foundation is a Board of Trustees that strongly supports the Foundation's efforts to deliver outstanding financial literacy resources to the American public.

Richard Anderson, Ph.D.

Dr. Richard Anderson has extensive experience working with Congress, federal agencies, the executive branch and numerous state legislatures. For many years, he has been an instrumental leader in positively affecting national and state legislation, and he is a respected advocate on energy, environmental and tax issues.

Dr. Anderson served as Director of Government Affairs for Wheelabrator Technologies, Inc. from 1987 to 1998. Previously, he was an assistant professor at Boston University, where he created graduate degree programs, taught graduate classes in planning, computer applications and environmental health. He has authored 22 published articles and co-authored two textbooks, and he also has contributed chapters in three books.

Dr. Anderson earned a Ph.D. and master's degree in city and regional planning from Rutgers University, and he received dual bachelor's degrees in English and urban studies from Livingston College.

Lonnie Ritzer, Esquire

Lonnie Ritzer is a business lawyer concentrating in tax law, partnership and corporate laws, real estate law, and financing transactions. Prior to joining Shapiro Sher & Guinot in 1987, Mr. Ritzer was a partner associated with the Baltimore firm of Gordon, Feinblatt, Rothman, Hoffberger, & Hollander, LLC, where he specialized in tax law. He serves on committees of the Bar Association of Baltimore City (Tax and Public Education), the Maryland State Bar Association (Transactional Tax and State Study Groups), and the Tax Section of the American Bar Association.

Mr. Ritzer is a past President of the Baltimore Association of Tax Counsel, and has authored articles from various periodicals including the Journal of Taxation and the Maryland Bar Journal. From 1987 until 1992, he participated as a panelist in an annual seminar on Maryland Sales and Use Tax, and he has also guest lectured at the University of Baltimore School of Law. From 1991 to 1992, Mr. Ritzer helped draft the Maryland Limited Liability Company Act, and is co-author of a book on that subject, as well as a frequent lecturer.

Mr. Ritzer earned his J.D., with honors, from the University of Maryland School of Law, where he was elected to The Order of the Coif. He received his B.S., summa cum laude, from Brooklyn College of the City University of New York. Mr. Ritzer serves under the Maryland Bar and is admitted to practice before the United States District Court of Maryland and the United States Tax Court.