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

How to Save Money

Cheap & Yummy Recipe: Frozen Hot Chocolate

Enjoy a yummy snowy day treat that's yummy plus easy and cheap to make!

Cheap & Healthy Recipe: Banana Snowmen

These banana-based snowmen are decidedly more tropical than the frosty variety - but it's a fun, healthy and cheap snack to make for kids this winter.

What are the advantages of putting 401(k) money into bonds?

Dear Liz: If I plan to stay invested for more than 15 years and I can tolerate the ups and downs of the market, why would I want to put any of my 401(k) money into bonds instead of putting it all in various stock funds?

10 Ways To Spend Less On Kid’s Back-To-School

Among all the back-to-school essentials extracting money from parents' pocketbooks, clothing and accessories are the most demanding. According to the National Retail Federation, 95 percent of surveyed parents will spend over $230 on apparel this year, plus another $114 on shoes.

Steer Clear Of Auto Repair Scams

If you feel frustrated or intimidated whenever you take your car in for repairs, you're not alone. According to the Federal Trade Commission and the Better Business Bureau, auto repair fraud consistently ranks among the top consumer complaints they receive.

How To Replace Important Documents

If your wallet has ever been lost or stolen, you know what a pain it is to replace your driver's license. That goes double when other vital documents like your, passport, birth certificate or car registration are misplaced or destroyed in a natural disaster.

What percentage of your income should your rent be?

Dear Liz: I am wondering about what percentage of your income should your rent be. Ours at the moment is 35% just for rent, not including utilities or anything else.

After saving enough for college, is reinvestment a good option?

Dear Liz: My husband and I have three children, two in elementary school and one in middle school. Through saving and investing, we have amassed enough money to pay for each of them to go to a four-year college.

How much money should a person set aside for emergencies?

Dear Liz: A few years ago I finished paying off my debt and now am in the very low-risk credit category.

Avoiding Hidden Flight, Hotel Fees

The last few years have been tough economically for many people. Unemployment fears combined with plunging home, stock and retirement account values caused many to forgo big vacations – even though stressful times are when we most need to recharge our batteries.

Trim Your Wedding Costs

Weddings have always been big business, but I was shocked to see how expensive they've become in the 17 years since my wife and I got married.

Can people pay to much for a financial planner?

Dear Liz: You always mention fee-only financial planners and I'm not sure about the true meaning. My husband and I have a financial planner who charges us $2,200 per year, but we got a summary of transaction fees in the amount of $6,200 for last year. Is this reasonable?

Before You Rent, Do Your Homework

Maybe you're a college student looking to rent your first apartment; or a downsizing homeowner reentering the rental market for the first time in decades.

If someone has a large amount of money available, what should they do with it?

Dear Liz: What would you suggest that someone do with $20,000 if the someone is closer to 40 than 30, single, with $100,000 of student loan debt and a $250,000 mortgage?

What options are available regarding the sale of possessions?

Dear Liz: We are in our 60s and looking to downsize. We're living in an apartment now and don't like it, so we want to buy a small house. Also, our finances took some serious hits in the recent economy and we're trying to rebuild.

Insurance You Can Probably Do Without

I'm a big believer in having the appropriate amount of insurance, especially when it comes to your health and personal liability.

Video: Stretch Your Dollar At The Grocery Store

Clipping coupons can be a fun and easy way to save money on your monthly grocery budget. But nowadays you don’t have to be a slave to your scissors and the Sunday paper to get the best offers.

Is there another alternative for a person with an uncashed check?

Dear Liz: You recently answered a question from a reader who found an old refund check that couldn't be cashed. You pointed out that checks typically must be cashed within six months or they're worthless. But your reader should check the unclaimed-property department of his state.

How long should someone continue to purchase life insurance?

Dear Liz: My life insurance policy of $500,000 will end in four years, when I'm 63. My wife's policy ends at age 62. Our kids are 28 and 25 and successfully launched with careers. I also have a $180,000 life insurance policy through my job that expires when I plan to retire, also at age 63.

What's a good strategy for redirecting money once a car loan is paid off?

Dear Liz: I'll be done paying off my car in a couple of months. What's a good strategy for redirecting that money once it's paid off?