How to Use InCharge Debt Solutions
Nonprofit Credit Counseling and Debt Management Programs
Sep 29, 2009
InCharge Debt Solutions provides credit counseling, debt management programs and personal finance education to debt-ridden consumers across the United States. Consumers can access online support 24/7, with in-person and telephone counseling available 6 days a week.
A member of the Association of Independent Consumer Credit Counseling Agencies and A+-rated member of the Better Business Bureau of Central Florida, InCharge Debt Solutions is a reputable debt management solution for consumers in need of nonprofit credit counseling or personal finance education.
Who Needs Nonprofit Credit Counseling and Debt Management Programs?
172,491 consumers sought help with InCharge Debt Solutions in 2008. Their average original debt load was $21,031.00 and 55% pointed to a reduced income, not overspending, as the primary reason for their debt problem (2008 Annual Report: People-Focused Nonprofit Credit Counseling).
Credit counseling and debt management programs can help people who:
- Can only pay the minimum payment on their credit cards
- Carry a high balance on credit cards or lines of credit
- Find it difficult to pay bills on time
- Have accounts in collections
- Have debt over six months old
All consumers can benefit from budgeting, financial counseling and money planning education. InCharge can help clients reduce interest payments, lower their monthly payments, and pay debts off sooner.
How InCharge Debt Solutions Helps Consumers Online and With Telephone Counseling
According to their 2008 Annual Report, InCharge Debt Solutions helped clients repay $247,475,923 in personal debt. In addition to free credit counseling sessions, InCharge provides outreach seminars in several states and worked with GMAC Financial Services in 2008 to provide automotive financing and insurance education in connection with the "SmartEdge" program.
An InCharge Debt Solutions national credit counselor evaluates the income, assets, debt, and situation of each new client. After preparing a realistic budget, several debt management solutions are available to the client, including:
- a complete debt management program
- bankruptcy assistance
- home equity lines of credit
- lump sum pay offs
- money management strategies
- mortgage assistance
- student loan assistance
The InCharge counselor assists the consumer in tailoring a debt management program specific to their needs.
Where to Go for Nonprofit Credit Counseling and Debt Management Programs
Visit InCharge Debt Solutions online for 24/7 access to a free online financial evaluation, educational resources, and important debt management tools. Telephone counseling is available; call 1-800-801-8152 to speak with national credit counselors from Monday to Friday, 8:00am to 11:00pm, and Saturdays from 9:00am to 6:00pm.
For more information on other reputable debt consolidation companies and advice on avoiding debt consolidation scams, see Best Debt Consolidation Services: The Top 3 Debt Consolidation Companies (as rated by users).
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