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
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 @ 

Our Services

We've helped 1.2 Million People Get Back On Track

Partner With A Trusted Nonprofit Leader: InCharge is a trusted, reputable 501(c)(3) nonprofit organization that has helped over a million people like you repay a staggering $2.3 billion in debt. With an A+ rating from the Better Business Bureau, InCharge is also a member of the National Foundation for Credit Counseling (NFCC) and is accredited by the prestigious Council on Accreditation (CoA). When your financial future is at stake, you want to partner with a trusted leader who provides sound, legitimate and proven solutions for getting out of debt.

Our Services

Our professional team of Certified Financial Counselors offers individual advice and coaching. They'll listen to you, develop a current financial "snapshot" and then offer a customized solution for debt relief. You'll get expert help on making and balancing budgets, managing your money, using credit wisely, and building a savings plan. Each year, InCharge provides more than 70,000 free confidential budget and debt counseling sessions.

Debt Management Program (DMPs)

InCharge can customize a DMP for you to provide debt relief that is a sound alternative to bankruptcy. A DMP will consolidate your debt payments into one manageable monthly amount because InCharge will work with your creditors to lower your interest rates – and usually eliminate late fees - so you can pay down your debts in a much shorter period of time at a lower monthly cost than you're now paying. Starting on a DMP with InCharge will help you reduce collection calls and get debt relief without another loan or dealing with bankruptcy.

InCharge is among a select group of agencies approved by the Executive Office for United States Trustees to provide budget and credit counseling for bankruptcy filers nationwide. Anyone who files for bankruptcy must complete a Bankruptcy Pre-Filing credit counseling session from an approved provider and receive a Certificate of Counseling before filing. Each year, we help hundreds of thousands of people fulfill their counseling and debtor education requirements during the bankruptcy process. You can work online plus get personal counseling by phone from the convenience of your home for only $30 (single or joint).

Bankruptcy Pre-Discharge Debtor Education

InCharge's Pre-Discharge online course helps you build on what you learned during the pre-filing course and counseling. You'll get help with money management, budgeting, and how to develop and stick to a plan that leads you to a brighter financial future. You'll be equipped with a full set of financial concepts, tools and skills to help you manage your money after your fresh start. This course can be completed entirely online and the fee is only $25.

Home Foreclosure Prevention

Facing foreclosure? InCharge is approved by the US Department of Housing and Urban Development (HUD) to help consumers in the state of Florida with their housing needs. We review your individual situation and provide you with all possible short- and long-term solutions for keeping your home.

Pre-Purchase Housing Counseling and Homebuyer Education

Wondering if you can afford to buy a home? InCharge is approved by the US Department of Housing and Urban Development (HUD) to help consumers in the state of Florida with their housing needs. We review your individual situation and deliver professional pre-purchase counseling.

Personal Finance Education