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
InCharge is closed on the following holidays
New Year's Day
Memorial Day
Independence Day
Labor Day
Day after Thanksgiving
Christmas Day
Speak with a counselor @ 

Need housing help? Our doors are open.

InCharge Debt Solutions, a nonprofit organization approved by the United States Department of Housing and Urban Development (HUD), can help consumers in the state of Florida with their housing needs. 

The InCharge housing department offers three main services, described below.

Pre-Purchase Housing Counseling

At InCharge one of our certified housing counselors would be happy to assist you deciding and determining if purchasing a home is right for you. A counselor can review your budget and make recommendations for improvement, analyze your credit report to establish mortgage readiness and put you in contact with a skilled real estate professional and loan officer. Learn more about pre-purchase housing counseling.

Free Homebuyer Education Workshops

InCharge offers free monthly Homebuyer Education Workshops in English and Spanish. We can help you understand the home buying process, determine how much home you can afford, learn what lenders are looking for, and discuss ways to manage the costs of home ownership.

Our workshops are held on Saturdays from 8:30 a.m. – 5:30 p.m. and we’re conveniently located in the Central Florida area at 5750 Major Blvd, Suite 300, Orlando, Florida 32819.

Our certificates can also be used towards the NSP (Neighborhood Stabilization Program) and First Time Homebuyer’s Down Payment assistance programs. 

Register online for a homebuyer education workshop.

At InCharge, we believe owning an affordable home is one of the cornerstones of financial stability. This is why we are pleased to guide you through the steps. If you can't attend our Homebuyer Education Workshop, click here to view InCharge's Homeownership Guide.

Foreclosure Prevention Counseling

InCharge offers foreclosure prevention counseling. Facing a foreclosure on your home can be very stressful. Not knowing what to do can make matters worse. InCharge provides assistance to borrowers by reviewing their individual situation and looking at possible short and long term options. We stay with the homeowner until a solution is reached.

Please call to speak to one of our certified housing counselors.

Below is a list of items needed to get started with your session:

  • Household bills
  • Monthly mortgage statement
  • Two most recent paycheck stub
  • Two most recent bank statement
  • Hardship letter explaining the reason for the delinquency