InCharge Debt Solutions is a nonprofit organization offering confidential and professional credit counseling, debt management services, bankruptcy education, and housing counseling. InCharge also offers educational initiatives threw their affiliation with the InCharge Education Foundation, Inc that provides educational products and services for all types of consumers, whether they are a civilian or in the military. Attending seminars and workshops relating to money-management and housing finance education are some of the benefits consumers can participate in.


Program Variety

InCharge Debt Solutions has a variety of services based on your debt situation. Some of them are credit counseling debt management programs, debt consolidation programs, debt relief solutions, bankruptcy counseling and student loan counseling. They also offer education and services threw their affiliation with the InCharge Education Foundation, Inc.


  • Member of National Foundation for Credit Counseling (NFCC)
  • On the Board of Directors of Jump$tart Coalition for Personal Financial Literacy
  • Affiliated with InCharge Education Foundation, Inc. (ICEF) which provides financial literacy training to service members and their families through
  • InCharge Certified Financial Counselors (23 of them) invited to assist in “Making Home Affordable Foreclosure Prevention Workshop” sponsored by the U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development.

Program Costs

InCharge Debt Solution is very competitive with it's program cost and they offer many forms of debt programs and management to choose from.

Industry Reputation

InCharge Debt Solutions has a great reputation in the industry with (since?) helping over 3 million people repay their debt since 1997.


InCharge Debt Solutions has eight complaints that were found. This is more compared to other debt companies reviewed on this site.

State Coverage

InCharge Debt Solutions provides financial services for a majority of the states in the United States. InCharge does not provide financial services for debt outside of the United States.

Overall Rating 8.3 (Very Good)

is a trusted and reputable business and has helped over 3 million people repay a staggering $3 billion in debt since 1997. InCharge has a knowledgeable customer service department who provide sound, legitimate and proven solutions for getting out of debt. Their nonprofit status allows for them to focus on the consumer and not the bottom line. InCharge’s no.1 priority is the consumer’s success.


  • Free Credit Counseling and credit consolidation
  • Various Services - Nonprofit credit counseling, debt management plans, housing counseling, bankruptcy counseling and education, debt education.
  • Member of the NFFCC
  • Accredited by the Council on Accreditation (COA)
  • On the Board of Directors of Jump$tart Coalition for Personal Financial Literacy
  • Affiliated with the InCharge Education Foundation, Inc - Offers educational products and services to promote improved financial literacy of consumers nationwide, with some of the services geared towards those in the military.
  • 23 Certified Financial Counselors able to assist in housing counseling workshops
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