Programs


Credit Counseling Program

We'll pull your credit report to see how much debt you owe (this gives us accurate, up-to-date balances and is a "soft pull" that won't affect your credit score). We will diagnose your situation and provide you with a range of debt relief options. A debt relief solution can be a debt management plan; another may be bankruptcy.

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Debt Management Programs

We work with your creditors to get debt relief now, in the form of lower interest rates, waived credit card fees, and lower monthly credit card payments. With more of your monthly payment going toward paying off your debt, you can dramatically reduce the time it takes to be out of debt. Find out if you qualify for our debt management program.

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Debt Consolidation Programs

One of the most popular features of our debt management plan is debt consolidation. Paying multiple creditors, each with different due dates, can be time consuming and stressful. Our free credit consolidation helps you pay off your credit card debt faster than making the minimum payments on your own.

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Credit Card Debt Forgiveness

Also known as the Less Than Total Balance Program, the Credit Card Debt Forgiveness Program allows you to pay less than you owe. It works by creating a 36-month payment plan. The monthly payment is set at a fraction of your current bill. Make 36 consecutive payments and the remaining credit card balance is forgiven.

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Bankruptcy Counseling

Before filing bankruptcy, you must complete a pre-filing credit counseling session; In addition, you must complete a debtor education course before your bankruptcy case can be resolved (both are required by the US bankruptcy code). InCharge offers both pre-filing credit counseling and pre-settlement debtor education.

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Housing Counseling

We are a HUD-certified counseling agency and we can help you solve your housing problems. We provide an unbiased analysis of your housing situation. Our counselors can help you enroll in federal, state and local foreclosure prevention programs. We offer homebuyer education online and over the phone.

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Foreclosure Prevention Counseling

If you are at risk of foreclosure, learn about your options here. Our housing counselors will review your financial situation and create an action plan that includes a foreclosure prevention package. Solutions may include forbearance or a loan modification. If a loan modification is your best option, our counselors can help you through the application process.


Eviction Prevention Help

During COVID-19, the government funded rental assistance programs to help renters in danger of eviction. InCharge offers guidance on where to find these programs, as well as additional resources. From help with rent payments to utilities, legal assistance, food banks and employment opportunities, we can help you find the assistance you need.

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