InCharge - Offering Alternatives to Online Debt Consolidation

Online Credit Counseling and Bankruptcy Services

Browse our extensive Site Map to find alternatives to online debt consolidation. We offer a variety of consumer credit counseling articles and interactive financial calculators to help you on your way to becoming and staying debt free. For more detailed information, please read our debt consolidation online FAQs.

• Online Credit Counseling
• Pre-Filing Bankruptcy Credit Counseling Course
• Pre-Discharge Debtor Education Course

Debt Solution Options

• Debt Management
• Mortgage Assistance
• Student Loan Assistance
• Money Management
• Lump Sum Payoff
• Debt Self-Help
• Home Equity Line of Credit (HELOC)
• Judgment Proof
• Bankruptcy

Your Money: A Guide to Managing Your Credit and Debt

Volume 1: Taking the First Steps

• The Road to Overcoming Debt
• Getting Out of Debt: Your Alternatives
• What Can Credit Counseling Do For Me?

Volume 2: Your Credit Report and Your Rights

• Your Credit Report: What You Need to Know
• Spotting Errors On Your Credit Report
• Your Credit Watchdogs: FCRA and FACTA
• The Fair Debt Collection Practices Act

Volume 3: Budgeting: How to Manage Your Money

• A Realistic Look at Creating - and Sticking to - a Budget
• Creating a Budget
• Getting the Help You Need: Certified Counselors Make the Difference
• Making Every Penny Count: How to Stretch Your Budget

Volume 4: Budgeting: You Can Gain Control of Your Financial Life

• Breaking The Debt Cycle: Avoiding Bad Spending Habits and Practices
• What's a Debt Management Program - And How Can it Help Me?
• Borrowing Against Your Home's Equity: What You Need To Know
• The Power of Budgeting: Why Setting A Monthly Spending Plan Is Key

Volume 5: Making Money, Saving Money

• Your Paycheck Potential: How to Get Ahead in The Workplace
• Spend Less - Save More
• Planning Ahead: The Power of Retirement Savings
• Don’t Be Scammed: How to Protect Your Money

Volume 6: Your Debt Free Life

• Life After Debt: Make it a Reality
• Action Plan: How to Stay Debt-Free
• "I Did It!" InCharge Clients Share Their Personal Triumphs
• You Can Do It

Interactive Credit and Debt Tools

• Calculate Your Debt Levels and Debt Stress

Financial Calculators

• College Savings Calculator
• Credit Card Debt Management Optimizer
• Debt Amount Calculator
• Debt Rolldown Calculator
• Home Budget Calculator
• Mortgage Payoff Calculator
• Pay Off Credit Cards Calculator
• Savings Calculator
• Social Security Calculator
• Spend Less Calculator

Credit Counseling and Debt Management Programs

• How Credit Counseling Works
• Looking for Credit Card or Debt Consolidation Help?
• Credit Card Debt Help – Alternatives to Debt Consolidation
• How to Choose Credit Counseling Services That Are Right for You
• Life on a Debt Management Program
• Frequently Asked Questions About Debt Management Plans & Programs
• What Will My Credit Counseling Session Be Like?
• Ready to Tackle Credit Card Debt" Get Started with InCharge
• Resources to Help You Reduce Debt

Frequently Asked Questions

• FAQs About InCharge Debt Solutions
• Credit Counseling FAQs
• Debt Management Program FAQs – Before Joining
• Debt Management Plan FAQs - After Joining

Consumer Education Articles

• The Big Car Decision: Buy or Lease?
• How to Save Money on Car Insurance
• Saving Money at the Grocery Store
• Privacy: Protect Yourself from Identity Theft
• The Future of Social Security

Home Ownership Articles

• Do You Qualify For A Mortgage Loan?
• Important Mortgage Terms You Need to Know
• The Pros and Cons of Home Ownership
• Single Parents Can Buy Houses Too!

Bankruptcy Articles

• The Bankruptcy Abuse Prevention & Consumer Protection Act
• About Bankruptcy

Debt Relief Articles

• Credit Counseling: Help With Credit Card Debt and Medical Bill Debt
• Credit Cards: The Cost Is Not Only the Balance
• Simple Strategies for Getting Out of Debt

Money Management Articles

• How to Calculate Your Debt-to-Income Ratio
• Why Is Saving So Important?
• Preparing a Budget
• How Much Is Enough For Retirement?
• Saving For College
• A Little Savings Goes a Long Way

InCharge Debt Solutions - Company Information

• General Info & Media Relations
• Press Releases
• Bios and Logos
• Free Workshops & Outreach Events
• InCharge Career Center
• InCharge Client Testimonials
• ID Theft Protection: Important Message
• How InCharge Safeguards Your Personal Information
• State Disclosures