Editor's choice: National Debt Relief
- No cancellation fees
- Low minimum to enroll
- No upfront fees
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In an industry where education is not always a priority, InCharge Debt Solutions offers a vast library of online materials to educate people on financial health and management. InCharge is a registered non-profit that offers debt management services and credit counseling, with a mission to help people get and stay out of debt by achieving financial balance.
Fees vary by state, with the average set-up fee being $40, and the average monthly fee being $25. Maximum fee amounts are $75 for set-up and $55 monthly. This means that if you pay off your debt in four years after enrolling in InCharge’s debt management program, you could end up paying between $1,200 to $2,700.
InCharge works to lower your interest rates, resulting in savings for you as your rates are negotiated.
InCharge can lower your interest rates 6% to 9%, and average interest rates for people enrolled in its debt management program are between 8% and 12%.
Before you sign up with a debt relief company
Debt relief companies typically charge a percentage of a customer’s debt or a monthly program fee for their services. And not all companies are transparent about these costs or drawbacks that can negatively affect your credit score. Depending on the company you work with, you might pay other fees for third-party settlement services or setting up new accounts, which can leave you in a worse situation than when you signed up.
Consider alternatives before signing up with a debt relief company:
Although InCharge has been in business for 21 years, there aren’t that many reviews online. But the reviews that are online are for the most part positive.
Clients praise InCharge for providing prompt, accurate service and easy process. There are also a lot of positive reviews on InCharge’s app, which gives users the ability to track payments and monitor progress on their mobile phones.
Negative reviews are centered around costs and agent’s not being upfront and handling customer complaints. InCharge diligently responds to most reviews.
Yes. InCharge is accredited by the Better Business Bureau, Association of Independent Consumer Credit Counseling Agencies, and the National Foundation for Credit Counseling.
InCharge also encrypts your personal and financial details with SSL protection.
Get started online in three steps:
To sign up with a representative, call InCharge Debt Solutions at 800-565-8953.
Founded in 1997, InCharge Debt Solutions is a 501(c)(3) nonprofit organization offering confidential and professional credit counseling, debt management services, bankruptcy education, housing counseling and educational initiatives promoting financial literacy. InCharge has a large client base, and has helped over a million people repay $2.8 billion in debt.
InCharge is accredited by the BBB with an A+ rating, and a 9.5 TrustPilot rating with 89% positive reviews. Other accreditations include the NFCC and COA.
If you have unsecured debt and have exhausted other options to repay it, a debt management program can be an alternative to bankruptcy. InCharge offers a comprehensive debt management program along with educational guidance to help you stay out of debt once you get back on your feet.
As always, be sure to thoroughly evaluate your options in order to decide on the right debt negotiation company for your needs.
Picture: InCharge Debt Solutions
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