InCharge Debt Solutions Reviews: What You Need To Know

June 9, 2023

Dealing with debt can be incredibly stressful—and knowing where to turn for help isn’t always easy. With so many companies offering different solutions, it’s important to understand what each one brings to the table.

In this article, we’re taking a closer look at InCharge Debt Solutions, a nonprofit organization that focuses on helping individuals manage and reduce their debt. We’ll break down how their services work, what you can expect, and what real customers are saying—so you can make an informed decision that feels right for your situation.

Whether you’re curious about credit counseling or exploring structured repayment plans, you’ll find helpful insights here to guide your next steps.

What Is InCharge Debt Solutions?

When you’re facing debt, it’s easy to feel like you’re alone—but the truth is, many people are in the same boat, searching for trustworthy support to regain control of their finances. That’s where companies like InCharge Debt Solutions come in. As a nonprofit, they focus on helping individuals through credit counseling and structured debt management plans designed to simplify repayment and reduce financial stress.

InCharge works by combining multiple unsecured debts—like credit cards—into a single monthly payment with potentially lower interest rates. For many, this approach makes repayment more manageable and less overwhelming. They also offer financial education resources, which can be a big plus if you’re looking to build long-term money habits.

Still, not every solution fits every situation. Choosing the right debt relief company means understanding your unique needs and comparing options carefully.

How Does InCharge Debt Solutions Work?

Getting started with InCharge is simple and begins with a free credit counseling session. Here’s how the process typically works:

Initial Consultation – You’ll provide details about your income, expenses, and debts. A certified credit counselor reviews everything and offers personalized guidance based on your financial situation.
Debt Management Plan (DMP) – If a DMP is a good fit, InCharge works with your creditors to consolidate your unsecured debts—like credit cards—into one monthly payment. They may also negotiate lower interest rates to make repayment easier.
Structured Repayment – You’ll make one fixed monthly payment to InCharge, and they’ll distribute the funds to your creditors as agreed in the plan.
Completion of the Program – Most DMPs take about three to five years to complete. If you stick with the plan, you could be debt-free by the end.

Keep in mind, InCharge doesn’t negotiate debt settlements—your original balance won’t be reduced—but their structured system helps simplify payments and keeps you on track toward financial stability.

What Are InCharge’s Fees?

While InCharge offers a free initial credit counseling session, enrolling in a Debt Management Plan (DMP) does come with some costs. There’s typically a one-time setup fee of up to $75, and an average monthly fee of around $33. However, these amounts can vary depending on the state you live in.

The fees help cover the operational costs of running the nonprofit—things like supporting staff and maintaining the tools and services that assist people in managing their debt. It’s worth noting that InCharge is upfront about these fees, and they’ll explain them during your counseling session, so there are no surprises.

Now that you know how InCharge works and what to expect in terms of fees, let’s take a look at what really matters—what their clients have to say. Hearing from real people who’ve used the service can give you a clearer picture of the experience and outcomes you might expect.

InCharge Debt Solutions Reviews

Customer feedback is one of the best ways to assess the effectiveness of a debt relief company. Let’s look at InCharge Debt Solutions’ reviews across multiple platforms.

Trustpilot Reviews

InCharge Debt Solutions holds an average rating of 4.7 out of 5 based on 2,238 total reviews on Trustpilot. Here are some of the key takeaways:

Positive Review: “My experience with InCharge has been nothing short of great from the beginning.”
Positive Review: “When I first reached out to the company and had many questions, the representative patiently answered them and did not try to push me into consolidating.”
Neutral Review: “InCharge provides a good service, but I wish more of the specifics had been explained, such as the fact all the accounts would be canceled.”
Negative Review: “The supervisor kept interrupting me, and would not let me finish talking. Their hours are impossible.”

Google Reviews

On Google, InCharge has an average rating of 4.0 based on 111 reviews. Here’s a snapshot of customer experiences:

Positive Review: “In charge helped me get my life back on track financially. I was super hesitant at first. It’s been two years, and I’m almost totally debt-free.”
Positive Review: “InCharge has given me a chance to organize, view and plan my finances in a way that I never knew would be possible.”
Neutral Review: “InCharge was very helpful at first, but when I received a new Kidney and a Traumatic Brain Injury, they were only concerned about the money… It didn’t matter that I was going to be homeless or that I had just received a new kidney. I was no longer a face, just a dollar”
Negative Review: “This “DEBT” solution company has completely destroyed my trust. They told me they would help me REDUCE my credit interest however what happened was they contacted my creditors (2) and CLOSED my accounts saying it was how the “program works” and then told me that my creditors declined the program!”

Better Business Bureau (BBB) Reviews

InCharge has a BBB rating of 3.46 out of 5 based on 13 reviews. Here are some highlights:

Positive Review: “I used InCharge to manage my multiple credit cards with high balances that I simply could not make progress with. I finished my plan and fully paid off my debt late 2023.”
Positive Review: “Wonderful people to deal with. They got me out of debt with a monthly payment I could afford.”
Neutral Review: “I’ve been trying to resolve an issue regarding an account that doesn’t seem to be credited with payments consistently, but I was brushed off by indifferent emails and a dismissive customer service agent. The balance shown on the credit card doesn’t match what they claim.”
Negative Review: “They constantly send me spam even though I’ve never done business with them.”

What People Are Saying Across Platforms

If you’re considering debt relief, it’s always helpful to check what people are saying on Reddit, Quora, and other forums. Many users report positive experiences with InCharge, particularly in how they simplify debt payments and offer reliable customer support.

As with any financial decision, it’s important to conduct your own research and choose a company that aligns with your needs.

InCharge Debt Solutions Pros And Cons

We’ve covered how InCharge Debt Solutions works, what it costs, and what real customers are saying. But if you’re still weighing whether it’s the right fit for your situation, a quick breakdown of the pros and cons can help make things clearer. Here’s a straightforward summary to guide your decision:

Pros Of InCharge Debt Solutions

Nonprofit organization focused on helping individuals, not profits.
Free initial credit counseling to evaluate your financial situation.
Debt Management Plans (DMPs) to consolidate unsecured debt into one monthly payment.
May help reduce interest rates through negotiations with creditors.
Financial education resources to build long-term habits.

Cons Of InCharge Debt Solutions

Fees apply for DMPs: up to $75 setup fee + average $33 monthly (varies by state).
InCharge doesn’t reduce your original debt amount—they keep the full balance in place and help you manage payments.
Mixed feedback on customer service, with some reports of poor communication.
Some customers said InCharge closed their credit accounts during the program without clearly explaining it upfront.

Conclusion: Is This Company The Right Choice?

InCharge Debt Solutions offers structured debt plans and financial education. Many clients praise their approach, but some have concerns about communication and unexpected details. Be sure to understand their process before enrolling.

InCharge focuses on debt management and does not negotiate settlements or offer loans. It may not suit those seeking flexible solutions.

If you’re unsure which path to take, CuraDebt is here to help. We offer a free consultation tailored to your needs, so you can confidently explore your options.

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