InCharge Debt Solutions Review: Is It Legit?

InCharge Debt Solutions Review: Is It Legit? 1

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InCharge Debt Solutions stands out as a beacon for individuals grappling with debt, offering a lifeline to those seeking financial stability. Established as a 501(c)(3) nonprofit organization, InCharge has dedicated itself to providing professional credit counseling, debt management services, and financial education. With a mission to assist clients in navigating their way out of debt through structured repayment plans, InCharge also prioritizes financial literacy, empowering people to take control of their finances for the long haul. This introduction paves the way for a deeper exploration of the multifaceted services and support InCharge offers to those looking to reclaim their financial freedom.


InCharge Debt Solutions Review: Is It Legit?

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Pros of InCharge Debt Solutions

InCharge Debt Solutions provides a comprehensive array of services aimed at assisting individuals to manage and overcome debt. Here are several key advantages:

  • Free Credit Counseling: InCharge offers free counseling sessions with certified credit counselors, guiding clients through their financial situations and offering tailored advice​​​​.
  • Educational Resources: A wealth of free educational materials on various financial topics is available on their website, empowering clients to improve their financial literacy​​​​.
  • No Minimum Debt Requirement: Unlike many other debt relief services, InCharge does not require a minimum debt amount to qualify for their programs, making their services accessible to a wider range of individuals​​.
  • Online Client Portal: The online portal provided by InCharge allows clients to easily track their repayment progress and manage their accounts, enhancing the convenience and transparency of the debt management process​​​​.
  • Responsive Customer Support: InCharge is known for its excellent customer service, with multiple channels of support including phone and email, ensuring clients have access to help when they need it​​​​.
  • Reputable Accreditations: The organization holds an A+ rating from the Better Business Bureau and memberships with the National Foundation for Credit Counseling (NFCC), affirming its credibility and commitment to high-quality service​​​​.

Cons of InCharge Debt Solutions

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Despite the numerous benefits, there are some drawbacks to consider:

  • No Money-Back Guarantee: InCharge does not offer a money-back guarantee, which might be a concern for those seeking financial services with such assurances​​.
  • Lack of Transparency on Criteria: The specific criteria and requirements for eligibility into their programs are not clearly stated on their website, which could lead to confusion or uncertainty for potential clients​​.
  • Potential Impact on Credit Score: As with most debt management and settlement services, participating in InCharge’s programs could potentially hurt your credit score, particularly if it involves stopping payments to creditors as part of the negotiation process​​.
  • Tax Implications: The money saved through debt negotiation and settlement may be subject to taxes, adding financial consideration for those utilizing their services​​.

In summary, InCharge Debt Solutions offers valuable services for those looking to manage their debts more effectively, providing free counseling, educational resources, and an accessible client portal. However, potential clients should weigh these benefits against the lack of a money-back guarantee, potential impacts on credit scores, and tax implications. Understanding these pros and cons will help individuals make informed decisions about engaging with InCharge for debt management support.

InCharge Debt Solutions Products and Services

InCharge Debt Solutions Products and Services offer a holistic approach to debt management, aiming to alleviate the financial burdens faced by individuals. This section delves into the various services provided by InCharge, designed to cater to a broad spectrum of debt-related issues.

Credit Counseling

InCharge Debt Solutions begins its client journey with free credit counseling sessions. Certified credit counselors work closely with clients to assess their financial situations, offering expert advice and crafting personalized plans to tackle debt. This initial step is pivotal, as it lays the groundwork for a feasible debt management strategy without affecting the client’s credit score​​​​​​.

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Debt Management Plans (DMPs)

A cornerstone of InCharge’s offerings is its Debt Management Plans. These plans are meticulously tailored to individual needs, focusing on reducing interest rates, consolidating debt payments into a single, manageable monthly payment, and ultimately aiming to eliminate debt within 3 to 5 years. The inclusive nature of these plans means that there’s no minimum debt requirement to qualify, making it accessible to a wider audience. The DMPs are designed to stop collection calls, providing clients with peace of mind as they work toward their financial freedom​​​​​​.

Financial Education and Resources

Education plays a critical role in InCharge’s services. The organization offers an extensive range of educational materials on its website, covering diverse financial topics. These resources are aimed at empowering clients with the knowledge to manage their finances more effectively, highlighting budgeting, saving, and the responsible use of credit. InCharge’s commitment to financial literacy ensures that clients are not only able to get out of debt but also possess the tools to maintain their financial health in the long term​​​​.

Online Tools and Client Portal

The InCharge online client portal and tools stand out for their user-friendly design, enabling clients to effortlessly track their debt repayment progress. This digital approach aligns with modern expectations for accessibility and convenience, allowing clients to manage their accounts and view updates on their debt management plans from anywhere​​​​​​.

Types of Debt Addressed

InCharge specializes in handling a variety of unsecured debts, including credit card debt, unsecured personal loans, and medical bills. While it guides managing student loan debt, it’s important to note that federal student loans require a distinct approach. InCharge’s strategy involves negotiating lower interest rates and monthly payments, making it easier for clients to reduce their debt burden without resorting to drastic measures like bankruptcy​​​​.

InCharge Debt Solutions’ comprehensive array of services, from free credit counseling to educational resources and debt management plans, offers a path to financial recovery and literacy. By addressing various types of unsecured debt and providing essential tools and resources, InCharge equips individuals with the means to regain control over their finances and work towards a debt-free future.

InCharge Debt Solutions Reviews

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Photo Credit: Medallion Media Group

InCharge Debt Solutions has garnered attention for its impactful debt management and credit counseling services, as reflected in various customer reviews and feedback across multiple platforms. This section explores the collective sentiments of clients who have engaged with InCharge, shedding light on the company’s effectiveness, customer service quality, and overall satisfaction levels.

Positive Reviews and Client Satisfaction

Many clients have expressed appreciation for InCharge’s transparent and supportive approach to debt management. The organization’s free credit counseling and educational resources are frequently highlighted as significant benefits, providing valuable insights into financial management and debt reduction strategies​​​​. Users have also praised the online client portal for its ease of use, allowing them to track their repayment progress conveniently and efficiently​​​​.

InCharge’s responsiveness and excellent customer support have been commended, with clients feeling supported throughout their debt management journey. The company’s certified credit counselors are noted for their professionalism and personalized advice, often leading to positive outcomes for clients struggling with debt​​​​.

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Accreditation and Ratings

InCharge’s A+ rating from the Better Business Bureau (BBB) and high TrustPilot scores reflect its commitment to customer satisfaction and service quality. These accreditations and ratings underscore the trust and credibility InCharge has established in the debt management industry​​​​.

Criticisms and Areas for Improvement

Despite the predominantly positive feedback, InCharge has faced criticism related to certain aspects of its service. Some clients have pointed out the lack of a money-back guarantee and the potential for credit score impact as drawbacks​​​​. Additionally, the absence of transparent criteria for program eligibility on their website has confused potential clients​​.

InCharge has been proactive in addressing client concerns, and responding diligently to reviews and complaints. This approach demonstrates the company’s dedication to improving client experiences and resolving issues promptly​​​​.

Overall, InCharge Debt Solutions enjoys a positive reputation among its clients, with many benefiting from its comprehensive debt management services, educational resources, and supportive customer service. While there are areas for improvement, the feedback suggests that InCharge remains a reputable and effective option for those seeking to overcome financial challenges and achieve debt freedom.

The balanced perspective offered by client reviews highlights InCharge’s strengths in providing accessible and supportive debt management solutions, as well as the importance of continual improvement in response to client feedback.

InCharge Debt Solutions BBB and Trustpilot Ratings

InCharge Debt Solutions has established a solid reputation in the debt management and credit counseling sector, as evidenced by its ratings and accreditation from two significant entities: the Better Business Bureau (BBB) and Trustpilot. These ratings not only reflect the company’s commitment to service quality and consumer satisfaction but also serve as a critical factor for individuals considering InCharge for their debt management needs.

BBB Rating

InCharge Debt Solutions boasts an A+ rating from the Better Business Bureau, the highest possible rating on the BBB’s scale. This rating is indicative of the company’s dedication to resolving consumer complaints, its transparent business practices, and its longevity in the business. The BBB rating is a pivotal trust factor for consumers, as it suggests a high level of reliability and integrity in the services provided by InCharge​​​​.

Trustpilot Ratings

On Trustpilot, InCharge has garnered a commendable score, reflecting a high degree of customer satisfaction. Trustpilot ratings are particularly telling because they are based on the reviews and experiences shared by actual clients. Positive reviews on this platform often highlight the effective debt management strategies employed by InCharge, the quality of customer service, and the utility of the educational resources provided. Clients appreciate the tailored advice and the supportive environment InCharge creates for those navigating the complexities of debt repayment​​.

Customer Feedback and Service Quality

The positive ratings on BBB and Trustpilot underscore InCharge’s success in delivering quality debt management and credit counseling services. Customers frequently commend the company for its helpful customer service representatives, the ease of using the online client portal, and the comprehensive nature of its debt management plans. Such feedback is critical, as it offers prospective clients insights into the real-world effectiveness of InCharge’s programs​​​​.

InCharge Debt Solutions Cost

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The cost of engaging with InCharge Debt Solutions for debt management services is a crucial consideration for individuals looking to address their financial challenges. Understanding the fee structure is essential to assess the overall affordability and value of InCharge’s services.

Fee Structure

InCharge Debt Solutions operates on a model that includes both a set-up fee and a monthly maintenance fee for its debt management program. The fees vary by state, but they are structured to ensure affordability for those in need of debt relief:

  • Set-up Fee: The average set-up fee is around $40. However, fees can range up to $75 depending on the state regulations and individual circumstances​​.
  • Monthly Fee: The average monthly fee for maintaining a debt management plan with InCharge is approximately $25. Similar to the set-up fee, the monthly fee can go as high as $55, with the final amount influenced by state laws and the specifics of the client’s debt situation​​.

Total Cost Implications

The total cost of participating in InCharge’s debt management program depends on the duration of the program and the amount of debt being managed. On average, if a client completes their debt repayment plan within four years, the total fees paid to InCharge could range from $1,200 to $2,700. This calculation includes both the set-up fee and the cumulative monthly fees throughout the program​​.

Cost vs. Savings

While the fees are an important aspect to consider, it’s also crucial to weigh them against the potential savings offered by the program. InCharge works to lower clients’ interest rates on their debt, which can result in significant savings over the life of the debt management plan. The exact amount of savings will vary based on the original interest rates, the total debt amount, and the negotiated rates through InCharge​​​​.

Transparency and Value

InCharge is noted for its transparency regarding fees and the potential impact on clients’ financial situations. While there is an upfront cost to their services, the value comes from the potential to save on interest payments, avoid late fees, and ultimately become debt-free in a structured and timely manner. Clients are encouraged to consider both the immediate costs and the long-term financial benefits of engaging in a debt management plan​​​​.

In summary, while there is a cost associated with InCharge Debt Solutions’ debt management program, the fees are structured to be manageable for individuals seeking relief from debt. By comparing these costs against the potential savings and benefits of professional debt management, individuals can make an informed decision about whether InCharge’s services align with their financial goals and needs.


InCharge Debt Solutions emerges as a notable ally for individuals overwhelmed by debt, providing a structured path to financial recovery through its debt management and counseling services. This review has navigated through the various facets of InCharge, from its comprehensive offerings and cost considerations to client feedback and external ratings, painting a picture of a dedicated and reputable organization.

Key Takeaways

  • Comprehensive Services: InCharge offers a suite of services, including free credit counseling, educational resources, and tailored debt management plans. These services are designed not just to alleviate debt but to empower clients with the knowledge to maintain financial health long-term​​​​​​.
  • Cost-Effectiveness: While there are upfront and ongoing costs associated with InCharge’s debt management program, the potential savings on interest and the structured repayment plan can offer financial relief and clarity for those drowning in debt​​.
  • Client-Centric Approach: Testimonials and reviews highlight InCharge’s commitment to excellent customer service and support, further evidenced by its high BBB and Trustpilot ratings​​​​.
  • Areas for Improvement: Despite its strengths, InCharge could enhance its transparency regarding program eligibility criteria and the potential impact on clients’ credit scores. Addressing these areas could improve client trust and satisfaction​​​​.

Final Verdict

For individuals struggling with unsecured debt and seeking a lifeline, InCharge Debt Solutions offers a credible, well-rounded service. The blend of counseling, education, and debt management plans provided by InCharge can be a game-changer for many, helping to navigate the choppy waters of debt toward a more stable financial future. However, as with any financial service, potential clients should thoroughly evaluate their options, considering both the immediate costs and the long-term benefits of enrolling in a debt management program.

InCharge stands out not just for its services but for its mission to educate and empower, ensuring clients are not only debt-free but also equipped with the financial literacy to stay that way. For those ready to take control of their financial destiny, InCharge offers a supportive and effective pathway to debt relief and financial stability.


What is the impact of a debt management plan on my credit score?
Enrolling in a debt management plan may initially impact your credit score due to changes in account statuses, but over time, consistent on-time payments can improve your credit standing.

Can I use credit cards while on a debt management plan?
Typically, you are required to close your credit card accounts to prevent accruing new debt while on the plan, focusing on paying off existing balances.

How does debt settlement differ from debt management?
Debt settlement involves negotiating with creditors to pay off a lump sum that is less than the full amount owed, potentially saving money but impacting credit scores. Debt management focuses on repaying the full debt over time with more manageable terms.

Are there any debts that cannot be included in a debt management plan?
Most secured debts, such as mortgages or auto loans, cannot be included. Debt management plans primarily focus on unsecured debts like credit card balances and medical bills.

How do I choose a reputable debt management or relief company?
Look for companies accredited by recognized industry organizations, such as the National Foundation for Credit Counseling (NFCC). Research their BBB rating, customer reviews, and ensure they provide clear information about fees and services.

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