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Three Simple Steps
Know Your Options
Become Debt-Free Without a Loan

How much debt do you have?

Click to See Your Options Now

Speak with one of our Certified Credit Counselors at (866) 254-8734
InCharge is a 501(c)3 Non- Profit Organization with an A+ Better Business Bureau Rating
You are not alone.
We’ve helped more than
3 million people deal with debt
  • Lower your interest rates
  • Reduce monthly payments
  • Eliminate fees and over-limit charges
  • Credit scores are not a factor
  • Stop harassing calls from debt collectors
  • Consolidate credit bills into one monthly payment
  • Build a realistic budget and financial plan you can follow
“Best financial decision we’ve ever made.” – Ashley
Why Choose InCharge?
Our nonprofit status allows us to focus on the client, not the bottom line. Our mission is to help consumers achieve financial balance and move closer to their dreams. Your success is our No. 1 priority.

See how we can help

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 1,000 free financial literacy community workshops.

View your plan in 3 easy steps
1. Create an account. We need the basics: name, address, etc. 2. Review your credit report. We go over details of the credit report with you to better understand your situation. 3. Recommend solutions. Our credit counselors offer you a choice of solutions to eliminate your debt in 3-5 years.

Click to Start Your Plan Today

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) 408-8705 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 Solutions

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.

Debt Relief Solutions

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.

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.

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.

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.

Financial Literacy Education

In addition the many debt solution services offered by InCharge, we maintain a large library of financial literacy education materials. These workbooks, presentations, articles and calculators are free to use at home or by teachers in the classroom.

WHAT OUR CLIENTS SAY