Skip to content
You've Taken the First Step to Financial Freedom
Your request has been received. A certified credit counselor will contact you within the next few minutes. You can wait for our call, reach us now, or continue online at your own pace.
You can wait for our call, reach us now, or continue online at your own pace.
How Would You Like to Proceed?
Prefer to Talk Now?
Speak with a Counselor
Get immediate, judgment-free guidance from a certified counselor who's ready to listen.
OR
Prefer to Go at Your Own Pace?
Continue Online
Complete counseling in about 15–20 minutes. A counselor is available throughout if you need support.
Here's What Happens Next
Watch for Our Call or Text
We will call or text you shortly to connect you with a certified credit counselor – no sales pitch, no judgment, just a real conversation.
Within minutes
Speak with a Counselor
Walk through your situation together. Your counselor will help you understand your options clearly.
~ 30 minutes
Review Your Options
You'll receive a clear plan with no obligation to decide right away. Take the time you need. We're here when you're ready.
No obligation
Prefer to Go at Your Own Pace?
Online Counseling Is Yours to Control
Start when you're ready, move at your speed, and stop whenever you like. A counselor is available at every step if you want support.
Fill Out Your Information
Share your income, budget, and debts in a simple, guided flow. We'll use your credit report to pre-fill your accounts — so there's very little to type.
See Your Plan
Review your personalized Debt Management Plan – your new monthly payment, reduced interest rates, and how long until you're debt-free. No commitment yet.
Enroll When You're Ready
If the plan works for you, sign your agreement and set up payment – all online. If you have questions, your counselor is one click away before you sign anything.
You're in control
Start now, pause anytime – it's completely up to you
Most people complete online counseling in about 15–20 minutes. You can save your progress and come back whenever you're ready. There's no pressure and no deadline.
Why people choose us
You're in Good Hands
For over 25 years, InCharge has helped people find a clear path forward without judgment and without quick-fix promises.
3.1 Million
People Helped
25+ Years
Nonprofit Counseling
A+
BBB Rating
Common questions
What You Might Be Wondering
Here are the questions we hear most often.
Still have questions? We're here.
Our counselors are available now. You don't have to figure this out alone.