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inCharge Debt Solutions


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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.

Freedom Debt Relief covers more than 75% of the United States.


Free Consultation

Potential customers can receive a free consultation either over the phone with a certified financial counselor, or over the Internet by completing an online form. This allows for individuals to find out how a debt management program would work for them without making an initial commitment. Whether clients choose to work with InCharge Debt Solutions or not, all potential clients have access to certain educational materials on their website, including “Money 101,” a series of helpful articles, calculators, and other resources.

Minimum Debt Accepted

InCharge Debt Solutions will help qualifying clients resolve any amount of debt above $100. This is good news for individuals who need assistance but are rejected by debt resolution companies that require higher minimums (in some cases as high as $10,000). Their certified financial counselors are willing and ready to take your financial problems seriously and to help you handle them efficiently, no matter the severity.

Cancellation Policy

There is no penalty for discontinuing a working relationship with InCharge Debt Solutions at any time and for any reason. In fact, the company lists the ability to cut ties as a right in their “Client Bill of Rights.” Of course, the client will then be left to resolve the debt problem on his or her own, but the company will respect that wish.

View Other Debt Management Companies


No Money-Back Guarantee

The company does not have a money-back guarantee. However, should the client choose to discontinue working with InCharge Debt Solutions, he or she may do so at any time without a penalty.

Not CPFC Certified

InCharge’s financial counselors are not CPFC (Certified Personal Finance Counselor) certified, but they are all Certified Financial Specialists with the National Foundation for Credit Counseling (NFCC).

Our Recommendation

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?

InCharge Debt Solutions is one of many companies that has a debt consolidation program. These programs are generally two-fold: 1. Roll all your (unsecured) debts into one single payment. 2. Your debt consolidation works with your creditors to lower your interest rates.

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

Consumers looking to consolidate their credit card debt payments without having to take out a new loan can do so through InCharge’s debt management program. Consumers will receive the help of an InCharge counselor to help them get out of debt. The counselor will work with the credit card company to reduce the interest rate on the debt and lower the monthly payment. Clients can consolidate their credit bills into one monthly payment to InCharge, become debt-free quicker, lower the interest rate (regardless of their credit score), and eliminate late fees and over-limit charges. Working with an InCharge counselor can help eliminate the debt in as little as three years. Other debt resolution services they offer include: * Debt management * Financial education * Credit counseling * Bankruptcy counseling * Student loans counseling * Housing counseling

Debt Education They Provide

Though most companies feature debt education on their websites, the clarity and mass of information on InCharge’s website really puts them in the top tier.

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

They have a mobile-friendly site, something many other companies in the industry lack. Both versions of the site are easy to navigate. The menus, banners, and graphics are relevant and professional-looking.

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.

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