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

Home and Mortgage Calculators

Home Budget Calculator

Here is a home budget calculator for you to use.

Should I Refinance My Mortgage Calculator

When mortgage rates dip, consumers often consider refinancing. Should you or shouldn't you? Use the calculator below to help you decide.

How Much House Can You Afford?

A house is a major investment that will greatly affect your financial future. Before you start shopping, be sure you know how much house you can afford.

Mortgage Payoff Calculator

How much interest can you save by increasing your mortgage payment? This mortgage payoff calculator helps you find out.