InCharge Debt Solutions is a 501(c)(3) nonprofit organization that specialized in credit counseling, debt management services, bankruptcy education, housing counseling, and educational initiatives. Since 1997, InCharge Debt Solutions has facilitated the repayment of $3 billion in debt.
The company strives to help consumers achieve financial balance along their financial journey.
|inCharge Debt Solutions||Consolidated Credit||Accredited Debt|
|Debt You Pay Back||Unknown||50% - 80%||68% - 75%|
|New Credit Card Interest Rate||8% average||0% - 11%||8% average|
|Monthly Program Costs||$30 average||$40 average||$10 - $40|
|Customer Rating||7.6/10||9.4/10||9.6/10||Availability||16 States||50 States||8 States|
InCharge Debt Solutions is only licensed in AZ, CO, DE, IL, IN, MD, MI, MS, NV, NY, OR, RI, TN, UT, VT, and VA.
Minimum Debt Accepted
No Money-Back Guarantee
Not CPFC Certified
InCharge Debt Solutions is a non-profit organization that offers counseling services and debt resolution solutions for consumers in a tight financial situation.
InCharge’s website is full of useful information about debt management, credit counseling alongside articles about cutting down on expenses, the best budgeting apps, and finding the right bank.
The information on the site is great for individuals struggling with debt problems. However, InCharge does not display the average new interest rates they can work out with credit card companies.
Lack of transparency may be an issue as consumers like to compare rates against other companies in the industry. For these reasons, we recommend using a different debt consolidation company. View More Debt Consolidation Companies
About InCharge Debt Solutions
What is a Debt Consolidation Program?
The purpose of debt consolidation is to pay off your credit cards and other unsecured debts faster and only worry about one monthly payment (your debt consolidation company will disperse your one payment amoung your creditors).
If you can’t make your monthly payments, or you’ve fallen delinquent, we recommend researching debt resolution.
InCharge’s Debt Management Programs
Debt Education They Provide
The section called “Money 101” features several articles and tools on a variety of financial topics to help anyone who visits the site. There are several debt consolidation calculators, including “Repaying Student Loans,” “Cost of Credit,” and “Debt Roll Down.” There are tips about budgeting and saving as well as video games that teach concepts of personal finance.
There are multiple e-books that you can download for free, as well as lesson plans for financial educators. The training and tools available help individuals at all levels of financial literacy.
Additionally, InCharge runs a bankruptcy education website, personalfinanceeducation.com, to assist individuals considering filing for bankruptcy. The Bankruptcy Code requires that those filing for bankruptcy complete a personal financial management instructional course, and InCharge’s website fills that requirement.
There is a cost to complete the pre-filing ($25) and pre-discharge ($15) online courses for a total of $40 to start.
Mobile Friendly Website
In addition to the menu options and social media icons at the top of the site, there is a “quick links” section at the bottom of each page, mapping all available pages and tools by topic. All in all, the website is fully functional, attractive and tidy—a major draw for clients seeking simplicity and efficiency.