InCharge Debt Solutions claims to solve debts 90% faster than its industry competitors with their consolidation program. Clients enjoy not only a lower interest rate, but as well as a counseling program aimed to help educate customers with techniques to better help with budgeting, saving, and achieving future financial success.

Note that actual interest rates are unknown with this company. We have done a little research within the company and with some of their previous customers in order to find more information on these rates, but the numbers we were given varied considerably. This lead us to conclude that these are chosen on a case by case basis and can differ greatly.

InCharge Debt Solutions

About InCharge Debt Solutions

InCharge provides both debt consolidation and management services. Their plan allows clients to consolidate their debt into one monthly installment with a lower interest rate that allows them to pay everything off in 3 to 5 years.

In one specific case, InCharge was able to reduce their debt time payoff from 15 years to 4 years, while also saving them $7,900 in interest payments. Moreover, InCharge Debt Solutions offers debt consolidation by combining all of your loans into one new loan with a lower interest rate than your average debt interest rate.

However, it's important to note that just because this system works for some doesn't mean it will work for all. Debt can vary greatly, as can an individual's ability to pay off that debt. When you couple this with the fact that InCharge have a varying interest rate structure, it ultimately means that your experience can differ greatly from that of another customer.

In other words, try not to get too excited about testimonials and individual reviews.

Basic Information

  • Address: 5750 Major Blvd STE 300 , Orlando, FL 32819-7971
  • Web Address:
  • Date of Founding: 08/21/1997
  • Contact Number: (877) 300-5183
  • Opening Hours: 9:00am to 10:00pm
  • BBB Accredited? Yes, since 2002.

The Company

We have spoken with a few former employees at InCharge Debt Solutions and none of them had any good things to say about the company. They didn't like the pay, the management, the culture, or the work that they were expected to do.

We've said it before: these companies can always expect to receive bad reviews from employees. They don't pay a lot of money after all, yet they basically expect employees to act as counselors and financial advisors. However, there was a disproportionate number of these negative reviews where InCharge Debt Solutions was concerned.

InCharge Debt Solutions are based in Florida, have a turnover of between $15 and $25 million and hire around 100 employees at any given time.

The Services

InCharge Debt Solutions claim to have helped over 3 million people pay off over $3 billion in debt over the last couple decades. They also provide a number of educational services, with free eBooks on debt management and with countless workshops that teach the same advice. In fact, they have held over 1,000 such workshops since they were first founded.

As far as actual debt management goes, they offer the following services:

  • Credit Card Debt
  • Financial Education
  • Student Loan Counseling
  • Debt Relief Solutions
  • Bankruptcy Help

The Cost

InCharge Debt Solutions Reviews

There is a free consultation on InCharge Debt Solutions to help you get started and decide the right path for you. After this you will be required to pay a setup fee, a monthly fee, and a rate of interest, the latter of which is based on the amount of creditors that you have and the total size of your debt:

  • Setup Fee = $40
  • Monthly Cost = $25
  • Interest Rate = 5% to 35%

The Good

  • Positive reviews
  • Low upfront fees
  • Highly accredited

Free Consultation and Accreditations

InCharge Debt Solutions Help

Those struggling with credit card debt and some unsecured debts can call InCharge and get a free analysis of their situation by a certified counselor. With a no-strings-attached consultation, customers can become one step closer to financial freedom. In addition, InCharge has a number of industry accreditations and certificates, specifically with NFCC and AICCCA.

Positive Reviews

When facing our debt problems, we can be easily overwhelmed. Fortunately, past clients of InCharge report feeling hopeful and informed after talking to one of their financial counselors.

There are nearly 350 reviews for InCharge Debt Solutions on the TrustPilot website, which lets users place their reviews themselves and collects both negative and positive ones. This site, and others like it, don't operate exactly as you might expect and they aren't a perfect representation of how customers really see certain companies, but they are the closest thing we have and the status that InCharge Debt Solutions have here is very notable.

The Bad

  • Unknown cancellation policy
  • No ISO certificate
  • Unknown state availability
  • Lack of transparency

For reasons such as not disclosing several key pieces of information about the company has landed them a below average score. Although finding the average interest reduction rate for most debt consolidation companies, InCharge is no different. In addition to this, there is no information about nationwide availability and their return policy. As a consumer, we would prefer to see more information disclosed about the company.

We were able to find out that they are available in 15 states, but again, this was not easy information to source and as a customer visiting a site for the first time you need that information on hand. A reviewer may dig deep enough to find the answer, but what are the odds that a customer will do the same thing when they could have checked a dozen competing services in the same time it takes them to get their answer?

The Bottom Line

InCharge is a great credit counseling resource for debt management. They claim to have your debt paid off in 3 to 5 years, which is much faster than the industry average.

The company does not have high fees, and they are highly accredited. Nonetheless, they lack some transparency, and for that reason, we cannot highly recommend them. To find a more transparent company to solve your debt problems, check out the top consolidation companies. We have listed a few of these below, but you can find many more by checking our top lists and review pages linked throughout this site: