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 @ 

Helpful Links

Here are a variety of resources that may be helpful in your search for a solution to your debt problems. Listed below are Web sites that will help with money management education, social service assistance, addiction counseling, and much more.*

Industry Associations

National Foundation for Credit Counseling
NFCC is the nation's largest and longest serving national nonprofit credit counseling network, with more than 100 Member agencies and nearly 850 offices in communities throughout the country.


The College Board
The College Board seeks to ensure that every student in the United States has access to a high-quality education and is prepared to succeed in college.

Federal Student Aid
An office of the U.S. Department of Education, ensures that all eligible individuals can benefit from federally funded financial assistance for education beyond high school.

Student Aid on the Web
Your source for free information from the U.S. Department of Education on preparing for and funding education beyond high school.


A nonprofit, nonpartisan membership organization that helps people 50 and over improve the quality of their lives.

Family Communication Made Easy
Co-parenting and shared/joint child custody management for divorced or unmarried parents. Parenting time, activities, expenses, messaging, journals and more.

Retirement Living
Operated by the Retirement Living Information Center, a convenient, easy-to-use resource designed to assist individuals in planning and making decisions about their retirement.

Reduce the expense and difficulty of interacting with the government while increasing citizen access to government benefit information.

Federal Reserve
Among the responsibilities of the Board of Governors are to guide monetary policy action, to analyze domestic and international economic and financial conditions, and to lead committees that study current issues, such as consumer banking laws and electronic commerce.

Federal Trade Commission
Advances consumers’ interests by sharing its expertise with federal and state legislatures and U.S. and international government agencies.

Treasury Department
The executive agency responsible for promoting economic prosperity and ensuring the financial security of the United States.


Alcoholics Anonymous
A fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to recover from alcoholism.

Debtors Anonymous
A fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to recover from compulsive debting.

Gamblers Anonymous
A fellowship of men and women who share their experience, strength and hope with each other that they may solve their common problem and help others to recover from a gambling problem.

National Council on Problem Gambling
Mission is to increase public awareness of pathological gambling, ensure the widespread availability of treatment for problem gamblers and their families, and to encourage research and programs for prevention and education.

National Suicide Prevention Lifeline
A 24-hour, toll-free, confidential suicide prevention hotline available to anyone in suicidal crisis or emotional distress. 

1-800-273-8255 English
1-800-628-9454 Spanish


AARP Tax Aide
Free assistance for federal and state returns.

A.M. Best
A full-service credit rating organization dedicated to serving the financial services industries, focusing on the insurance sector.

Annual Credit Report
A centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies - Equifax, Experian and TransUnion.

IRS Tax Info
Tax information for individuals from the Internal Revenue Service.

Life Happens
A nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures.


Blue Star Families
Blue Star Families has struck a chord, not just with military family members hungry for support and empowerment, but also with elected officials seeking to hear unfiltered feedback and leading non-profits who wish to connect the service they provide to military families.

Military Homefront
The Department of Defense website for official Military Community and Family Policy (MC&FP) program information, policy and guidance designed to help troops and their families, leaders, and service providers.

Military Money
An authoritative financial resource for military families. Military Money shares information on educational opportunities, education funding, saving, banking, investing, retirement and credit as well as empowering career and lifestyle resources.
Military OneSource is provided by the Department of Defense at no cost to active duty, Guard and Reserve (regardless of activation status) and their families. It is a virtual extension of installation services.

Military Saves
Military Saves is a national campaign to persuade, motivate, and encourage military families to save money every month, and to convince leaders and organizations to be aggressive in promoting automatic savings.

National Military Family Association
Based on what they hear from their members, MNFA meet the needs of service members and their families with insightful recommendations, innovative programs, and grassroots efforts to better the quality of life for military families.

Money Management is the most comprehensive site on annuities and structured settlements on the web. With information on pensions, workers compensation and all laws relating to settlements and annuities.

America Saves
A nationwide campaign in which a broad coalition of nonprofit, corporate, and government groups helps individuals and families save and build wealth.

InCharge Education Foundation
A national 501(c)(3) non-profit organization dedicated to providing educational products, services and research supporting the personal financial literacy of consumers across America.

A national coalition of organizations dedicated to improving the financial literacy of pre-kindergarten through college-age youth by providing advocacy, research, standards and educational resources. Jump$tart strives to prepare youth for life-long successful financial decision-making.

Junior Achievement
The world’s largest organization dedicated to educating students about workforce readiness, entrepreneurship and financial literacy through experiential, hands-on programs.
Mint pulls all your financial accounts into one place. Set a budget, track your goals and do more with your money, for free!
Strives to improve financial literacy and education and provide free, reliable financial information to the American public through the Website, and the toll-free 1-888-MyMoney hotline.

National Endowment for Financial Education
The only private, nonprofit, national foundation wholly dedicated to improving the financial well-being of all Americans.
Your source for objective answers and unbiased investing resources.

Smart About Money
A nonprofit foundation dedicated to helping you make sound financial decisions throughout life’s ups and downs.

Treasury Department
The steward of U.S. economic and financial systems, and an influential participant in the world economy.

*The links to these third-party Web sites are provided for your convenience and information. InCharge Debt Solutions (IDS) and its affiliated organizations do not endorse or make any representations about any third-party websites, nor do they control these sites (other than Military Money and or their privacy practices. InCharge Debt Solutions and its affiliated organizations’ Privacy Statements do not cover the personal data you choose to give to any unrelated third-parties. We strongly recommend that you review the privacy policy of any company before submitting your personal information.