About Us

InCharge® Institute is a national non-profit community organization specializing in personal finance education and credit counseling. The InCharge family includes InCharge Debt Solutions, which provides professional credit counseling and education services, and InCharge Education Foundation, which provides award-winning products and materials that support the personal financial literacy needs of consumers worldwide.

Together, these organizations vow to help financially distressed families and individuals pay off their debts and learn to use credit responsibly.

Mission Statement

We provide relief to financially distressed individuals and families experiencing consumer debt problems and provide consumers with education and personal financial management tools to enable them to use credit responsibly.

Mission Statement

The mission of the InCharge Education Foundation is to provide educational products and services that support the personal financial literacy needs of consumers nationwide.

Led by a dedicated staff of experts in the fields of personal finance education and research, the InCharge Education Foundation is nationally recognized for reaching out to consumers with engaging educational programs and products, including:

Saving, investing and budgeting on a military income—while coping with frequent moves, career changes for the spouse, and new schools for the kids—requires special skills and planning. MILITARY MONEYTM magazine explores the dynamic lifestyle of military families and serves as an authoritative financial resource for those serving in America's armed forces. Created as part of the U.S. Department of Defense's "Financial Readiness Campaign," MILITARY MONEY reaches an estimated 500,000 readers each quarter through distribution at military bases around the world and an engaging website (www.militarymoney.com).

Mind Your Finances was developed by educators and financial experts, with the goal of offering a user-friendly and comprehensive financial educational tool to organizations and individual consumers. Mind Your Finances is comprised of seven independent learning modules which cover topics such as understanding credit reports, credit terms and definitions, appropriate levels of debt, creating spending plans, goal setting, and other core financial skills. Consumers work through the modules, learning the skills they will need to complete the exam at the end of the program and, ultimately, to earn Mind Your Finances Certification.

Save thousands on mortgage interest...get around dealer markups when buying a car...dig your way out of credit card debt! For listeners seeking to achieve a higher quality of life, the InCharge Radio Network (www.inchargeradio.com)—offers a fresh, humorous perspective on everyday family finance. Our "Military Money Minute" segments are aired around the world on Armed Forces Radio.

Mission Statement

The mission of InCharge Debt Solutions to help consumers pay off debts, improve their financial well being, and fulfill their obligations to creditors.

InCharge Debt Solutions is a non-profit, community-service organization offering confidential and professional credit counseling, debt management and financial educational programs to individuals nationwide.

Over the past several years, InCharge Institute has made significant investments in its credit counseling practice. Through innovations in technology, training and customer service, InCharge Debt Solutions is now capable of providing people with an unprecedented level of proactive support. For consumers and creditors, this translates into billions of dollars of principal repaid annually.

Solutions-based Approach

We recognize that Debt Management Programs are not the answer for everyone. For individuals we feel would not qualify for or benefit from a DMP, we provide financial counseling, which includes budget assistance, money management education and, if applicable, referrals to social service agencies or partners that can help with mortgage problems or student loans.

Professional. Personal. Private.

At InCharge Debt Solutions, our professional, certified counselors work one-on-one with each client to provide the personalized attention necessary to find a solution that meets their needs. If a Debt Management Program (DMP) is recommended, the client is assigned a Personal Care Counselor that serves as their primary contact during the first 90 days. Our counselors take a proactive role, staying in close contact to ensure the client receives the support necessary to be successful on the program. Every InCharge counselor must receive accreditation through the Association of Independent Consumer Credit Counseling Agencies (AICCCA), an independent certification provider. In addition to personalized counseling, clients benefit throughout the term of their DMP from specialized communications, including newsletters, e-mails and educational products, all designed to update, educate, and motivate the client. All communications are completely confidential and discreet, ensuring privacy to every client.

Proactive Innovations

At InCharge Debt Solutions, our business acumen and industry partnerships help set us apart from the ever-growing competition. An example of this is demonstrated by our unique relationship with Equifax, which allows counselors to view select portions of a potential client’s credit report during the very first call. This means the counselor can instantly access the most accurate, complete and timely credit information about that client instead of relying on the client to provide the data.

As a result, all InCharge Debt Solutions counselors have proactive conversations with callers, improving the dynamic of the counseling session, which enables the counselor to provide the best solutions for their financial situations.

Operational Efficiencies

InCharge Debt Solutions uses the latest technology in its operations to benefits both clients and creditors. We utilize Electronic Funds Transfer (EFT), auto-debit to client bank accounts, and Web-based communication, such as Web pre-enrollment. We electronically transmit proposals and remit payments daily. Consumers can call us toll-free from anywhere in the United States, contact us via the Internet, or access their account information on our Web site, www.incharge.org. We strive to continuously improve our technology and processes that enable us to provide the best service possible.

Benefits that last a Lifetime

The benefits of InCharge Debt Solutions continue long after you enroll in our Debt Management Program. Our counseling and educational services help you develop a long-term plan for managing your finances. Through our Web portal, www.incharge.org, and through personal finance publications like Next Step: A Monthly Guide to Reaching Your Financial Goals and Your Money: A Guide to Managing Your Credit and Debt, we address issues such as budgeting, managing cash flow, understanding credit reports, using credit effectively and avoiding bankruptcy. With our help, you won’t just get out of debt—you’ll have the tools you need to stay out of debt.

Sound Business Practices

InCharge is dedicated to providing the highest level of quality and operates under the most stringent of professional guidelines. As part of our commitment to excellence, InCharge undergoes independent audits, is certified under the ISO 9001:2000 standard, and is a member of the Association for Independent Consumer Credit Counseling Agencies (AICCCA). InCharge is also a member of the Better Business Bureau.