Credit Card Debt Relief

Lower Your Rates, One Monthly Payment, No Credit Score Requirement


97% Customer Satisfaction Rating
Average Credit Card Interest Rate on our program: 8.4%

Choose Your Debt Amount

The Kristi Adams Story

Changing lives is our mission at InCharge, and the lives of people like Kristi is what our mission is all about at InCharge. Every one of our client's stories are important and impactful to not just us, but to inspire others like her. We wanted to record it so that we could share it with you.

Nonprofit Debt Relief Solutions

InCharge Debt Solutions, a leading nonprofit organization, offers free and impartial debt relief solutions to consumers struggling with credit card or other unsecured debt.  If you feel overwhelmed by debt, call a certified credit counselor or get started online for a free analysis of your financial situation. You could be just minutes away from debt relief.


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Why Choose InCharge?

Our nonprofit status allows us to focus on the client, not the bottom line. Our mission is to help consumers achieve financial balance and move closer to their dreams. Your success is our No. 1 priority. Below are many available programs that are all here to help you in your time of need.

Credit Counseling Program

We’ll pull your credit report to see how much debt you have (this gives us accurate, up-to-date balances and is a “soft pull” which will not affect your credit score). We’ll diagnose your situation and provide you with a range of debt relief options. One debt relief solution may be a debt management plan; another may be bankruptcy. Call (800) 565-8953 to speak with a certified credit counselor or Start online credit counseling.

Debt Management Programs

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

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 stress inducing. Our free credit consolidation helps you pay back your credit card debt faster than making minimum payments on your own.


Learn how to become a homeowner with HomeTrek, our online homebuyer education course. HomeTrek covers it all: getting your finances mortgage-ready, how much house you can truly afford, how to make an offer, negotiate your deal and what to do after closing to sustain your home. This course is recommended for all first-time homebuyers and may assist with qualifying for a downpayment assistance program.

Bankruptcy Counseling

Before filing bankruptcy, you must complete a pre-filing credit counseling session; also you must complete a Debtor Education course before your bankruptcy case is discharged (both are mandated by U.S. bankruptcy code) . InCharge offers both pre-file credit counseling and pre-discharge debtor education. Visit

Housing Counseling

InCharge is a HUD-certified counseling agency, and we can help you resolve your housing problems. We provide an impartial analysis of your housing situation. Our counselors can help you enroll in federal, state and local foreclosure prevention programs. InCharge Housing Counseling also offers homebuyer education, online, over the phone and in person in our Orlando office.