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When illness forced me to move back to Maryland, I relied on every bit of credit I had. After a few months, I could no longer keep up with my payments. InCharge treated me with kindness and no judgment, and helped me enroll in an affordable five-year debt management plan. They reduced my highest interest rate from 27.99% to 1.9% and one card even went to 0%. Two and a half years later, I've paid off 64% of my debt and expect to finish about a year early. Their support has reduced my stress and changed my financial life.

I accumulated more than $30,000 in debt while buying my home and everything that came with it. Even though I made my payments every month, my balances weren't going down and I felt stuck. InCharge negotiated lower interest rates, combined all four accounts into one monthly payment, and handled everything with my creditors. Nearly two years later, I've paid off almost half of my debt. Without InCharge, I think I'd still be paying it off for years to come.

I'm halfway through a four-year debt management plan, and InCharge made enrollment easy by working directly with my creditors. The fear, panic, and shame of carrying so much debt has been replaced with a steady, manageable path toward financial health. Every interaction from the emails to the agents to the online account tools has been thoughtful and well done.