Debt relief done right

Get out of debt faster and for less with an InCharge debt management plan.

InCharge Debt Solutions can help you take control of your finances. Start with free credit counseling and get a personalized plan to tackle debt, lower your interest rates, and combine your bills into one manageable monthly payment. Their certified counselors are ready to guide you—so you can stress less, save more, and start moving toward a debt-free future.

Proven savings: Clients can save hundreds after starting a debt management plan
Lower rates: 23% of users get at least one interest rate reduced to 0%
Practical tools: Access budgeting worksheets, online classes, and personalized advice from certified counselors

Become debt free

Frequently asked questions

What is credit counseling, and how can it help me?

Credit counseling is a free service that helps you understand your financial situation and make a plan to improve it. InCharge’s counselors guide you through budgeting, reviewing your debts, and figuring out practical steps to reduce what you owe and build better habits.

Who is InCharge’s credit counseling program for?

InCharge is a great fit if you’re struggling to keep up with bills, living paycheck-to-paycheck, using credit cards for essentials, or unable to save for emergencies. Their program is built for people looking to take control and move forward.

Will I have to pay for credit counseling?

The initial credit counseling session is free. If you choose to enroll in a debt management program afterward, there may be a small monthly fee—but it’s designed to be affordable and lower than your current interest rates.

What happens during a session?

You’ll work one-on-one with a certified counselor who will help you create a realistic budget, review your debts, and develop an action plan with clear steps to move toward financial stability.

Will credit counseling affect my credit score?

No, the counseling session itself won’t affect your score. If you enroll in a debt management program, your score may dip slightly at first but often improves over time as you make consistent, on-time payments.

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