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 - Thursday: 8am - 6pm
Friday: 8am - 12pm
Bankruptcy Counseling
New or existing Bankruptcy clients
Toll Free: 1-866-729-0049
Certified Housing Counselors are available
Monday - Friday: 8am - 9pm
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Day after Thanksgiving
Christmas Day
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Free Budget & Credit Counseling

InCharge Debt Solutions has offered free credit counseling online and via phone with our certified credit counselors.  Since 1997, we have served over 1.2 million people like you who were overwhelmed by financial troubles and needed debt relief. Our professional team of Certified Financial Counselors offer individual advice and coaching. They'll listen to you, develop a current financial "snapshot" and then offer a customized solution for debt relief. You'll get expert help on making and balancing budgets, managing your money, using credit wisely, and building a savings plan.

In your free budget and credit counseling session, we'll:

  • Thorough review of your current debt situation which includes bills, credit cards, unsecured debt and more 
  • Create a realistic personal budget which looks at short term and long term personal goals
  • Offer an action plan that will get you to financial health

Get Started

Why Partner with InCharge Debt Solutions?

InCharge is a trusted 501(c)(3) nonprofit credit counseling organization that has helped over 1.2 million people like you repay a staggering $2.8 billion in debt. With an A+ rating from the Better Business Bureau, InCharge is a member of the National Foundation for Credit Counseling (NFCC) and is accredited by the prestigious Council on Accreditation (CoA).
When your financial future is a stake, you want to partner with a trusted leader who provides sound, legitimate and proven solutions for getting out of debt.

What Will My Free Credit Counseling Session Be Like?

It's like getting friendly advice from a caring, trusted coach. A Certified Financial Counselor will listen to what you're facing, gather relevant details, and complete a current financial "snapshot." Your coach will offer expert advice on reducing costs and explain the pros and cons of all available options, then make a recommendation. You can even start online by entering information and then get personal coaching by telephone.

I Got Debt Relief and You Can Too

Read testimonials from InCharge clients who paid off their debts. They did it and you can too.