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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
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InCharge is closed on the following holidays
New Year's Day
Memorial Day
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Labor Day
Thanksgiving
Day after Thanksgiving
Christmas Day
Speak with a counselor @ 
800-565-8953

Debt Relief

Gathering all the personal finance knowledge you can and knowing your options are the best ways to make informed decisions about how to get effective credit card debt relief.

These debt relief articles present some excellent strategies and options you can consider as you seek credit card debt relief.

Of course, free credit counseling and the assistance of an InCharge certified credit counselor is the most effective way to find out which debt relief solution is right for you.

To get started online, click here!

Debt Management vs. Debt Settlement

Debt management and debt settlement are two options for credit card debt relief. Which is best for you? Here are some pro and cons to help you decide.

How to Calculate Your Debt-To-Income Ratio

One of the easiest ways to get a picture of your financial standing is to calculate your debt-to-income ratio. Lenders also use it when considering your credit status.

Credit Cards: How Interest Increases Your Balance

Making only the minimum payment ensures that it will take a long time to repay the debt and guarantees the card companies a hefty return in interest payments.

Credit Card Debt Have You Down? Five Tips to Get Out.

Don't caught without a plan to get out of debt.  Here are five tips that can help you develop your credit card debt relief strategy.

How Much Debt is Too Much? See How You Rate.

See if your debt is out of control or manageable. Learn where to get credit counseling help if you need it.

Do You Have “Good Debt” or “Bad Debt”?

Learn the difference between good debt and bad debt, and how to eliminate bad debt so you can maximize good debt.

Drowning in Debt in Your 20s? Three Survival Tips.

Plenty of factors are contributing to the rise of debt for those just starting out, including escalating college costs, an unstable job market, and inflation.

How You Can Steer Clear of Common Debt Traps  

Everybody wants a piece of your money (including the money you haven’t even made yet).  Learn how to steer clear of common debt traps.

Don’t Let Your Debt Turn You Into A Drop-Out!

Many university administrators believe that credit card debt leads to a higher student drop-out rate than academic failure. Debt management tips for students.

Has Your Debt Grown Out of Control?

The rule of thumb on measuring personal unsecured debt is that debt payments should not exceed 20% of take home pay. Remember that this does not include mortgage debt.

Do I Have a Debt Problem?

The following signs will help you determine whether or not you have a unsecured debt problem.

Solving Your Debt Problem

Managing unsecured debt obligations takes persistence and dedication but once you rein in your unsecured debt, you'll be glad you did, and you'll be much better off financially and emotionally.