Credit Card Debt Relief

Lower Your Interest Rates, One Monthly Payment, No Credit Score Requirement


96% Customer Satisfaction Rating
Credit Card Interest Rate As Low As 0%

Choose Your Credit Card Debt Amount

As Featured In

The Kristi Adams Story

Changing lives is our mission at InCharge, and the lives of people like Kristi is what our mission is all about at InCharge. Every one of our client's stories are important and impactful to not just us, but to inspire others like her.

We help with debt from thousands of creditors, including these companies:

Capital One Logo  Discover Card Logo Chase Logo Citi Bank Logo American Express Logo Bank of America LogoWells Fargo Logo Barclays Logo

Nonprofit 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.


$0 Billion


0 Million





The Bryce Crabb Story

At InCharge, our mission is to change lives, and that includes people like Bryce. Each of our clients' stories are significant and impactful not only for us, but also to serve as inspiration for others.

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. Below are many available programs that are all here to help you in your time of need.

Credit Counseling Program

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

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. Our free credit consolidation helps you pay back your credit card debt faster than making minimum payments on your own.

Credit Card Debt Forgiveness

Also known as the Less Than Full Balance Program, the Credit Card Debt Forgiveness Program allows you to pay less than what you owe. It works by creating a 36-month repayment plan. The monthly payment is fixed at a fraction of your current bill. You make 36 consecutive payments and the remaining credit card balance is forgiven.

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

Housing Counseling

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.


Learn how to become a homeowner with HomeTrek, our online homebuyer education course. HomeTrek covers it all: getting your finances mortgage-ready, how much house you can truly afford, how to make an offer, negotiate your deal and maintain your home after closing. This course is recommended for all first-time homebuyers and may assist with qualifying for a downpayment assistance program.

Foreclosure Prevention Counseling

If you are at risk of foreclosure, learn about your options here. Our housing counselors will review your financial situation and create an action plan that includes a foreclosure prevention package. Solutions may include forbearance or a loan modification. If a loan modification is your best option, our counselors can help with the application process.

Eviction Prevention Help

During COVID-19, the government funded rental assistance programs to help tenants in danger of eviction. InCharge offers guidance on where to find these programs as well as additional resources. From help with rental payments, to utilities, legal assistance, food banks, and employment opportunities, we can help you find the assistance you need. To get started call (866) 721-3925.