Dealing with debt can feel overwhelming, but there are numerous companies offering solutions to help individuals regain financial stability. One such company is InCharge Debt Solutions, a nonprofit organization specializing in debt management. But is it the right choice for you? In this article, we’ll provide an in-depth review of InCharge Debt Solutions, including its services, how it works, and what real customers have to say about their experiences.

Whether you’re looking for credit counseling, a structured repayment plan, or other debt relief options, this review will give you valuable insights. Plus, if you’re still exploring options, CuraDebt offers a free consultation to help you find the best debt relief solution for your needs.

What Is InCharge Debt Solutions?

InCharge Debt Solutions is a nonprofit credit counseling agency founded in 1997. The organization provides a range of debt relief and financial education services, primarily focused on helping individuals manage and pay off unsecured debt, such as credit cards.

Their most well-known service is their Debt Management Program (DMP), which helps consumers consolidate payments and potentially reduce interest rates. They also provide bankruptcy counseling, housing counseling, and student loan guidance.

Looking for a reputable debt relief company? Take our free consultation today!

How Does InCharge Debt Solutions Work?

The process of working with InCharge Debt Solutions begins with a free credit counseling session. Here’s how it typically works:

1. Initial Consultation – Clients provide details about their financial situation, including income, expenses, and debts. A certified credit counselor reviews the information and offers advice on managing finances.
2. Debt Management Plan (DMP) – If the counselor determines that a DMP is the best option, they work with creditors to consolidate unsecured debt into one monthly payment with potentially lower interest rates.
3. Structured Repayment – Clients make one fixed monthly payment to InCharge, which distributes payments to creditors according to the negotiated plan.
4. Completion of the Program – Most DMPs last between three and five years, after which the participant becomes debt-free if they stick to the plan.

InCharge does not negotiate debt settlements, meaning they will not reduce the principal amount owed but rather help you manage your payments efficiently.

If you are interested in reducing what you owe, take our free consultation now!

InCharge Debt Solutions Services

InCharge offers a variety of services designed to help individuals and families regain control of their financial health. Here’s a breakdown of what they provide:

1. Credit Counseling – Free financial assessments from certified credit counselors who help clients create a budget, understand their options, and determine if a debt management plan is suitable.
2. Debt Management Program (DMP) – A structured repayment plan that consolidates unsecured debt into a single payment, often with lower interest rates negotiated with creditors.
3. Bankruptcy Counseling – Mandatory pre-filing and pre-discharge counseling required by federal law for individuals considering bankruptcy.
4. Housing Counseling – Provides support for first-time homebuyers, foreclosure prevention, and reverse mortgage counseling.
5. Student Loan Counseling – Assists borrowers in understanding repayment options and strategies for managing student loan debt.

Each of these services is designed to provide structured support for financial recovery. However, it’s important to compare these options with other debt relief solutions to find the best fit for your situation.

InCharge Debt Solutions Reviews

Customer feedback is one of the best ways to assess the effectiveness of a debt relief company. Let’s look at InCharge Debt Solutions’ reviews across multiple platforms.

Trustpilot Reviews

InCharge Debt Solutions holds an average rating of 4.7 out of 5 based on 2,238 total reviews on Trustpilot. Here are some of the key takeaways:

• Positive Review: “My experience with InCharge has been nothing short of great from the beginning.”
• Positive Review: “When I first reached out to the company and had many questions, the representative patiently answered them and did not try to push me into consolidating.”
• Neutral Review: “InCharge provides a good service, but I wish more of the specifics had been explained, such as the fact all the accounts would be canceled.”
• Negative Review: “The supervisor kept interrupting me, and would not let me finish talking. Their hours are impossible.”

Google Reviews

On Google, InCharge has an average rating of 4.0 based on 111 reviews. Here’s a snapshot of customer experiences:

• Positive Review: “In charge helped me get my life back on track financially. I was super hesitant at first. It’s been two years, and I’m almost totally debt-free.”
• Positive Review: “InCharge has given me a chance to organize, view and plan my finances in a way that I never knew would be possible.”
• Neutral Review: “InCharge was very helpful at first, but when I received a new Kidney and a Traumatic Brain Injury, they were only concerned about the money… It didn’t matter that I was going to be homeless or that I had just received a new kidney. I was no longer a face, just a dollar”
• Negative Review: “This “DEBT” solution company has completely destroyed my trust. They told me they would help me REDUCE my credit interest however what happened was they contacted my creditors (2) and CLOSED my accounts saying it was how the “program works” and then told me that my creditors declined the program!”

Better Business Bureau (BBB) Reviews

InCharge has a BBB rating of 3.46 out of 5 based on 13 reviews. Here are some highlights:

• Positive Review: “I used InCharge to manage my multiple credit cards with high balances that I simply could not make progress with. I finished my plan and fully paid off my debt late 2023.”
• Positive Review: “Wonderful people to deal with. They got me out of debt with a monthly payment I could afford.”
• Neutral Review: “I’ve been trying to resolve an issue regarding an account that doesn’t seem to be credited with payments consistently, but I was brushed off by indifferent emails and a dismissive customer service agent. The balance shown on the credit card doesn’t match what they claim.”
• Negative Review: “They constantly send me spam even though I’ve never done business with them.”

What People Are Saying Across Platforms

If you’re considering debt relief, it’s always helpful to check what people are saying on Reddit, Quora, and other forums. Many users report positive experiences with InCharge, particularly in how they simplify debt payments and offer reliable customer support.

As with any financial decision, it’s important to conduct your own research and choose a company that aligns with your needs.

Are you curious about how other debt relief companies compare? Check out our in-depth reviews on Symple Lending, Beyond Finance, and CountryWide Debt Relief to make an informed decision.

Still looking for expert guidance? Take our free consultation today and find the best debt relief solution for your needs!

CuraDebt Reviews

If you need help with debt, CuraDebt is here for you. We’ve assisted countless clients in reducing their financial burden and achieving greater financial stability. You could be next! Our team provides personalized debt relief solutions tailored to your situation.

Conclusion: Is This Company The Right Choice?

InCharge Debt Solutions has received mostly positive reviews for its debt management services and financial counseling. Many clients appreciate their structured approach to debt repayment. However, some mention concerns about communication and unclear terms.

It’s important to remember that InCharge does not offer debt settlement or loan solutions, meaning they may not be the best fit for everyone.

If you’re looking for a customized debt relief plan, CuraDebt offers a free consultation to explore your options. Contact us today and take the first step toward financial freedom!