Search InCharge.org

Our Most Recent Articles

Piggy bank and calculator on light blue background representing personal loan terms

How Long Are Personal Loan Terms?

By Robert Shaw | October 14, 2025

Getting a personal loan is easy enough for many consumers. Too easy if you count those ubiquitous predatory payday loan agencies that prey on people’s desperation. The challenge is getting…

"Closed label" credit cards on white background

How Long Do Closed Accounts Stay on My Credit Report?

By Tom Jackson | October 14, 2025

You might be finished with a credit account, but that doesn’t mean the credit account is finished with you. Closed accounts stay on your credit report for 7-10 years. A good one…

InCharge logo on white background.

Debt Management Help

By Max Fay | October 8, 2025

NonprofitDebt Help That You Can Trust Get free, nonprofit debt help from InCharge – a certified 501(c)(3). No hidden fees. No pressure. Just real help. Give us a call or…

Close up judge hammer gavel on many credit card with white wall background

How to File Bankruptcy on Credit Cards

By Michael Knisley | September 22, 2025

You’re probably already past the well-intentioned warnings from experts about bankruptcy. “Don’t do it unless you have to.” “It’ll hurt at least as much as it helps.” “Make it the…

Repo Company Driver Towing Repossessed Vehicle

How Many Car Payments Can You Miss Before Repossession?

By Tom Jackson | September 17, 2025

Car repossession is a booming and efficient business. Just one missed payment, and Repo Man might haul off your car. He’s very busy these days. Approximately 5.1% of Americans with…

Live Agent

By Devin Joy | September 17, 2025

Connecting Live Chat Now…

Hand with credit card and paper on desk representing checking credit report.

How to Remove a Charge-Off from Your Credit Report

By Sarah Brady | September 15, 2025

When you’re working to improve your credit, one of the last things you want to deal with is a charge-off. When a charge-off happens, your creditor usually sells your unpaid…

The words debt free in process are standing next to the loading bar representing debt relief.

Are Debt Relief Programs Legit?

By Tom Jackson | August 27, 2025

There are plenty of good debt-relief programs out there. There are also plenty of bad ones. If consumers do their homework and stick to their programs, there is indeed relief…

Osceola Workshop Partner

By Devin Joy | August 27, 2025

Be InCharge of Your Finances InCharge, in partnership with the Osceola County Housing and Community Services Department, is excited to offer in person workshops. LOCATION 1392 E. Vine Street Kissimmee…

Stethoscope on mock up Credit Card in hospital desk representing medical debt.

How Long Does Medical Debt Stay on Your Credit Report?

By Robert Shaw | August 25, 2025

The one-two punch of high healthcare costs and inadequate insurance coverage is enough to make medical debt a significant financial and social burden that puts many Americans on the ropes.…