InCharge Debt Solutions claims to solve debts 90% faster than its competitors, and it does this using its debt consolidation program. Clients can benefit from a low interest rate, as well as a counseling program created with the goal of educating customers to help them with budgeting, saving, and ultimately achieving financial freedom.

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%

But for all the good that they do and all the benefits that they provide, there are a few issues, a few concerns. One of these is the interest rate that they charge, which was not listed on their website. As you will see in our InCharge Debt Solutions review (see below) we spoke with former customers to try and see what this rate was, but the information that we were given differed quite considerably from customer to customer. We can only assume that their interest rates are chosen on a case by case basis and can differ greatly.

The Good

There are a lot of good points worth mentioning about this company. But there are also some negatives, so make sure you take both of these into account before considering their services.

  • Lots of positive reviews
  • Low upfront fees
  • Accredited with major organizations

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. They provide all prospective customers with a no-strings-attached consultation. This can be used to help the customer attain financial freedom, and that applies whether it leads to them signing up to InCharge Debt Solutions or not.

In addition, InCharge has a number of industry accreditations and certificates, specifically with the NFCC and AICCCA. These are some big plus points, and ones that you don't always find with companies in this sector.

Lots of Positive Reviews

It is very easy to be overwhelmed when facing debt problems, which is why debt has such a big impact on mental health and stress, and why it can lead to everything from stress-related physical ailments to depression and serious mental health problems. Fortunately, past clients of InCharge report feeling hopeful and informed after talking to one of their financial counselors, and it seems that these counselors really do try to help and are not simply focused on pressure selling their services.

This is key, because there are many reports of harassment and pressure selling, and a number of companies in this sector use their initial free consultation as a means of talking customers into paying for their services. It's always good to see when companies actually follow through with the promises they make and use these consultations for good.

There are nearly 350 reviews for InCharge Debt Solutions on the TrustPilot website, which collects both negative and positive reviews and is a good way to judge user opinion (although it is far from perfect and generally favors the companies as opposed to the reviewers). 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

There are a few reasons why InCharge Debt Solutions didn't receive a great score from us, including the lack of availability and transparency, as outlined in more detail below.

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

We were not able to find an average interest rate for InCharge Debt Solutions, and the information we received on this suggested that their rates can differ quite significantly. In addition to this, there is no information about nationwide availability and we also couldn't find anything pertaining to a returns policy, suggesting that they don't have one. As a consumer, we would prefer to see more information about these aspects, even if that information was as basic as “we don't have a returns policy and our rates differ on a case-by-case basis”.

We were able to find out that they are available in 15 states, but again, this was not easy information to source and the average customer would simply not be willing to go to the lengths that we did in order to find this. The average customer would likely only find this information after contacting InCharge Debt Solutions by phone, at which point they would be very frustrated if they were told that they services were not available to them and the consultation couldn't go any further.

This is a massive issue that we have with many companies, and it's something that needs to change. These companies seem to think that they are the only ones and don't account for the fact that the average consumer will run comparisons on dozens of companies before signing up. We understand why some companies choose to disclose all information via phone call, because as soon as the customer is in direct contact there is an increased chance that they will signup. But this only makes sense for companies that are available to everyone, and it's very frustrating to see this tactic employed by companies like InCharge Debt Solutions, who are available to the minority.

The Bottom Line

InCharge is a great credit counseling resource for debt management, and one that offers a wealth of services. 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: