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
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Who We Are

Over 1.2 Million People Have Turned to InCharge for Debt Relief

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 $2.8 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 a stake, you want to partner with a trusted leader who provides sound, legitimate and proven solutions for getting out of debt.

Years of Experience: InCharge is an established nonprofit, helping people like you since 1997.  InCharge’s Certified Financial Counseling team has many years of experience working with people in all walks of life with every degree of debt load.  They listen to you, provide sound and legitimate advice and offer realistic solutions customized to your unique situation.  Best of all, they’re your partner in conquering debt by developing a specific action plan that gets you out of debt in a reasonable amount of time.  They also direct you to InCharge’s extensive library of educational materials, tools, calculators and other resources to equip you for a future of carefree, debt-free living.

The Best Recommendation: Satisfied Clients

The best way to see how InCharge helps clients get debt-free and overcome credit problems is to hear from many of the actual people we’ve helped.

…People like Mary of Madison, MS:

Mary was $18,000 in debt and called InCharge when she realized she just couldn't handle it anymore. "I watched the commercial on TV and called while it was going on," she said. "I talked with a counselor named David and he was extremely nice. When I hung up, I felt like, 'this is what I need, this is the answer.'" She found the process easy, “They broke it all down for me, how much it would be every month and it went just like clockwork."  Being back on her feet, Mary feels “like a new person” and says about InCharge, “I appreciate you all, you don’t know how much.”

Read more InCharge Client Testimonials

Over 260,000 Creditor Relationships to Leverage Benefits for You:  When you go on an InCharge debt management program, we use our relationships within a wide network of creditors – over 260,000 – to negotiate benefits that can save you money; through benefits such as reduced interest rates and elimination of late fees.  Once you’re on a plan, you can experience the wonderful feeling of relief with reduced collection calls and fewer bills to pay (we consolidate your payments). You will also have the peace of mind of knowing that you have an advocate on your side going forward.

Advanced Technology Ensures Reliable, Confidential Service:  Our advanced technology and industry expertise allows us to efficiently and reliably process payments to creditors each and every month.  InCharge uses a variety of industry-standard security measures, including firewalls, encryption and authentication tools, and Secure Socket Layer (SSL) transmission technology to maintain the confidentiality of your personal information.

Certified Counselors Ready to Help You Succeed: InCharge’s Certified Financial Counselors are fully trained, very experienced and accredited through the Association for Financial Counseling and Planning Education (AFCPE) or National Foundation for Credit Counseling (NFCC).   Our financial counselors are compassionate and focus on your situation and needs whether they work with you over the phone or online. Their success is measured by your success in getting debt relief.

Operational Efficiencies:  InCharge Debt Solutions uses the latest technology to benefit our clients. For those on one of our Debt Management Programs, we utilize Electronic Funds Transfer (EFT), auto-debit to their bank account, and electronic communication with clients and their creditors. You can call us toll-free from anywhere in the United States, contact us via the Internet, or access your account information on our website, We strive to continuously improve our technology and processes to provide you with the best service possible.

Sound Business Practices: InCharge is dedicated to providing the highest level of quality while operating under the most stringent of professional guidelines.  As part of our commitment to excellence, InCharge undergoes independent audits, is accredited through the Council on Accreditation, and is a member of the National Foundation for Credit Counseling (NFCC) and is rated A+ by the Better Business Bureau.