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 @ 


3 reasons to take HomeTrek - the Online Homebuyer Education Course

  • You will determine how to qualify for a mortgage at affordable terms
  • You will learn the financial and practical steps involved in the
    home buying process
  • InCharge is approved by the US Department of Housing and Urban
    Development (HUD) to provide online education

  • Take at your own pace – Anytime & Anywhere
  • Enjoy videos about buying a home and building credit
  • Easy to follow instructions
  • Cost: $75.00
  • Pay via Paypal or Credit Card
  • Receive a Certificate of Completion
  • Should I continue to rent?
  • What can I really afford?
  • Should I get a fixed or adjustable rate mortgage?
  • How do I budget for home repairs?
  • How do I avoid foreclosure?

System Requirements:
1) JavaScript Enabled Browser.
Microsoft Internet Explorer 5.1 or higher or Netscape Navigator 6.0 or higher.
3) (Optional) Printer: To print out the worksheets and certificate of completion.