More Living, Less Debt…

Speak with a counselor at (800) 565-8953

Get Started

A 501c3 Non Profit Organization
A+ Better Business Bureau Rating

Get Started
1
Create your Debt Analysis account online.
2
Tell us about your unique situation.
3
Review your options.

Review your individual debt solution online, right now

Your privacy is our #1 concern. We use bank level security to protect your personal information.


Click for the BBB Business Review of this Credit & Debt Counseling in Orlando FL

Or call one of our certified credit counselors at
software
Take Action
InCharge can help you…
  • Consolidate credit bills into one easy monthly payment
  • Pay off your debt faster
  • Lower your interest rates regardless of credit score
  • Stop collection calls
  • Eliminate late fees and over-limit charges
  • Build a realistic budget and financial plan you can follow
Most InCharge clients who complete the Debt Management Program pay off their debt in 3-5 years

BY THE NUMBERS

$3 Billion

DEBT PAID OFF

InCharge has helped consumer pay off more than $3 billion dollars since 1997.

3 Million

PEOPLE HELPED

InCharge has helped more than 3 million people with free credit counseling.

10,000

FREE BOOKS

InCharge has  given away more  than 10,000 free financial literacy books.

1,000

WORKSHOPS

InCharge has  provided  more than 10,000 free financial literacy community workshops.

Our Services

InCharge Debt Solutions, a leading nonprofit organization, offers free and impartial debt relief solutions to consumers struggling with credit card or other unsecured debt.  If you feel overwhelmed by debt, call a certified credit counselor or get started online for a free analysis of your financial situation. You could be just minutes away from debt relief.

Credit Counseling

Credit Counseling is a free service offered by InCharge Debt Solutions. During the counseling session, you’ll provide information about your personal finances, including income and expenses. We’ll pull your credit report to see how much debt you have (this gives us accurate, up-to-date balances and is a “soft pull” which will not affect your credit score). We’ll diagnose your situation and provide you with a range of debt relief options. One debt relief solution may be a debt management plan; another may be bankruptcy. Call (800) 565-8953 to speak with a certified credit counselor or Start online credit counseling.

Debt Management Programs

Are you looking to consolidate your credit card debt payments without taking out a new loan? Our debt management program is not a new loan, but it can help you get out of debt. And did you know that you can qualify for our debt management program with bad credit? We work with your creditors to get you debt relief now, in the form of lower interest rates, waived credit card fees and lower credit card monthly payments. With more of your monthly payment going toward debt balance, you can dramatically lessen the time it takes to become debt free. Find out if you qualify for our debt management program.

Debt Consolidation Programs

One of the most popular features of our debt management plan is debt consolidation. Paying multiple creditors – each with different due dates – can be time consuming and stress inducing. With the InCharge debt consolidation alternative, you make only one consolidated debt payment to InCharge and we handle the payments to each creditor; this delivers the convenience of debt consolidation without the risk of taking out a new loan. Our free credit consolidation helps you pay back your credit card debt faster than making minimum payments on your own.

Bankruptcy Counseling

Before filing bankruptcy, you must complete a pre-filing credit counseling session; also you must complete a Debtor Education course before your bankruptcy case is discharged (both are mandated by U.S. bankruptcy code) . InCharge offers both pre-file credit counseling and pre-discharge debtor education. Visit www.personalfinanceeducation.com.

Housing Counseling

Are you facing foreclosure? Have you had a financial hardship that makes it difficult for you to pay your mortgage? InCharge is a HUD-certified counseling agency, and we can help you resolve your housing problems. We provide an impartial analysis of your housing situation. Our counselors can help you enroll in federal, state and local foreclosure prevention programs. InCharge Housing Counseling also offers homebuyer education, online, over the phone and in person in our Orlando office.

Student Loan Counseling

InCharge helps people struggling with student loan debt to best understand the debt relief options available. A financial counselor will help you understand the differences between student loan consolidation programs, identify forgiveness and income-based payment options, and review strategies to minimize the amount of interest paid.

WHAT OUR CLIENTS SAY