Lower Debt

Credit Counseling with InCharge

Take the First Step Toward a Brighter Financial Future

Debt isn’t just a burden - it can hold you back from living the life you deserve. InCharge, a WorkMoney partner, offers support for those looking to regain control and build toward a better future, one step at a time.

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How Credit Counseling With InCharge Can Help

Whether you’re facing sudden financial setbacks or struggling to balance everyday expenses, credit counseling can provide a clear path forward. InCharge’s program is built for people dealing with:

  • Financial hardships due to job loss or reduced hours, making monthly bills feel unmanageable.

  • The cycle of living paycheck-to-paycheck, even with a stable income.

  • Relying on credit cards to cover essentials like groceries, rent, and utilities when cash is tight.

  • The challenge of saving for emergencies because other expenses keep taking priority.

Why Choose InCharge for Credit Counseling?

InCharge, a nonprofit, offers affordable, goal-focused credit counseling that goes beyond short-term relief. Their counselors work with you each session to create a strategy for your financial situation, covering:

  • Budget Review: Create a realistic budget with practical ways to manage expenses.

  • Debt Analysis: Go through each account on your credit report to understand your debt profile and spot areas for improvement

  • Recommendations: Receive an action plan with specific strategies for reducing debt, building credit, and making meaningful financial progress.

InCharge is here to help you build lasting financial habits for a secure future.