An InCharge Client Testimonial - Debt Consolidation Program

Billy called us because his credit card debt was mounting and overwhelming him. Through the credit card counseling offered at InCharge Debt Solutions, we were able to help him conquer his credit card debt.

Billy: Penyton, TX

Often times, no matter how "normal" our life is, accidents happen and we need to be prepared. Billy had a good paying job and was in good standing with her credit cards until she got into a bad traffic accident that caused her to become disabled and unable to work.

With her loss of income, Billy began to depend more and more on credit cards. "(With) credit cards, you see something you want and you just put it on the card." With about eight credit cards and nearly $7,000 in debt, Billy realized she needed to do something. "I found you (InCharge) on the Internet," recalls Billy. "I live on a real limited income. I can't work now and I was just paying the minimum payments." She continued by saying that she had read somewhere that a person cannot pay off their debt just by making the minimum monthly payments.

After applying online and completing the InCharge Debt Management Program, Billy now has no credit cards and has adopted the following motto, "I don't have the money, I don't get it."