Business Details
29 Years
experience
Trusted Nonprofit Credit Counseling & Debt Relief
InCharge Debt Solutions, established in 1997, is a trusted 501(c)(3) nonprofit organization dedicated to empowering individuals and families to achieve financial stability. Our core values of compassion, honesty, and resilience guide our provision of credit counseling, debt management, bankruptcy education, and housing counseling services. With over 25 years of experience, we have helped more than a million clients repay $3.4 billion in debt, maintaining an A+ rating from the Better Business Bureau and accreditation by the Council on Accreditation.Our team of certified professionals prioritizes personalized solutions, combining expertise with a client-centric approach to address diverse financial challenges. We are committed to transparency, ethical practices, and community impact, offering free financial literacy resources and educational initiatives. Recognized by the National Foundation for Credit Counseling and HUD-approved for housing counseling, we serve as a reliable partner in fostering long-term financial health.
Services
Credit Counseling
Debt Management Plans
Bankruptcy Education
Housing Counseling
Financial Literacy Workshops
Details
- Year established: 1997
Highlights and features
- Nonprofit status ensures client-focused solutions over profit motives.
- Certified credit counselors with decades of combined industry experience.
- Personalized debt management plans tailored to individual financial situations.
- Accredited by the Council on Accreditation and BBB A+ rated since 1997.
- Proven track record of helping over 1 million clients repay $3.4 billion in debt.
Associations and certifications
- Better Business Bureau
- Council on Accreditation (COA)
- National Foundation for Credit Counseling (NFCC)
What people say
94% Customer Satisfaction
Interest Rate As Low As 0%
Real Success Stories
Certified Counselors
Debt-Free in Years
Services
Credit Counseling
Our certified credit counselors provide personalized budgeting guidance and debt analysis to help clients regain control of their finances. Services include debt assessment, credit report reviews, and customized debt relief strategies. With over 90,000 counseling sessions conducted annually, we offer confidential, non-judgmental support to create sustainable financial plans.
Debt Management Plans
Debt Management Plans consolidate multiple debts into a single monthly payment with reduced interest rates and waived fees. We negotiate with creditors to lower payments and accelerate debt repayment over 3-5 years. This service helps clients avoid bankruptcy while rebuilding credit through structured financial discipline.
Bankruptcy Counseling
We provide mandatory pre-filing credit counseling and post-filing debtor education courses required for bankruptcy discharge. Our certified counselors guide clients through alternatives to bankruptcy and help meet U.S. Trustee Program requirements. Courses are available online or via phone to ensure compliance with federal mandates.
Housing Counseling
As a HUD-approved agency, we offer housing counseling including foreclosure prevention, loan modification assistance, and HomeTrek, an online homebuyer education course. Services help clients navigate mortgage readiness, budgeting for homeownership, and accessing down payment assistance programs to achieve sustainable housing goals.
Financial Literacy Workshops
We deliver free financial education resources, workshops, and tools covering budgeting, credit management, and debt prevention. Programs target diverse audiences, including military families and students, through eLearning modules, community outreach, and publications like Military Money Minutes to promote lifelong financial wellness.
Questions
What debt relief services do you offer?
We provide credit counseling, debt management plans, bankruptcy education, housing counseling, and financial literacy resources to help clients overcome financial challenges.
Are your services free?
Credit counseling and financial education resources are free. Debt management plans may include nominal fees, disclosed upfront, with no hidden costs.
How does a Debt Management Plan work?
We consolidate your debts into one monthly payment, negotiate lower interest rates with creditors, and waive fees to help you pay off debt 3-5 years faster.
Are you a nonprofit organization?
Yes, we are a 501(c)(3) nonprofit accredited by the Council on Accreditation, focused on client needs rather than profit.
Can you help with mortgage foreclosure prevention?
As a HUD-approved agency, we offer foreclosure prevention counseling, loan modification assistance, and action plans to help homeowners retain their properties.
Do you offer military financial resources?
Yes, our Military Money program provides tailored financial education, including VA loan guidance and deployment budgeting tools for service members and families.