InCharge Debt Solutions Review

InCharge Debt Solutions: Comprehensive Review

InCharge Debt Solutions is a well-known player in the debt solutions industry with a mission to help millions become debt-free. This non-profit organization, accredited by the National Foundation for Credit Counseling (NFCC), has provided various debt relief solutions since 1997, including credit card debt counseling, debt management, and debt consolidation.

Despite accreditation from the Better Business Bureau (BBB) and a positive Trustpilot score, some customers have reported communication and account management issues, indicating areas for potential improvement.

This comprehensive review will delve deeper into the company’s services, commitment to customer service, pros and cons, and alternatives in the market. Stay tuned to understand whether InCharge Debt Solutions is the right choice for your debt management needs.

Who are InCharge Debt Solutions?

InCharge Debt Solutions is a 501(c)(3) nonprofit organization offering confidential credit counseling, debt management services, and debt consolidation. Founded in 1997, they have been dedicated to helping millions become debt-free.


InCharge Debt Solutions is headquartered in the United States. Here are the details:

Address5750 Major Blvd, Suite 300, Orlando, Florida, 32819, United States

This location serves as their primary base of operations, from where they provide their various debt solutions and services.


InCharge Debt Solutions provides the following services:

Licenses and accreditations

InCharge Debt Solutions is recognized and licensed by many states.

While we could not find detailed information like the specific license number or other corporate details in our research, their licensure indicates that they have met the requirements set by this department to provide debt solutions services legally.

Please note that the licensing and oversight of companies like InCharge Debt Solutions can vary by state. Therefore, we recommend contacting your respective state’s Secretary of State or similar department for the most accurate and up-to-date information.

This section provides the known information about InCharge Debt Solution’s standing with the Secretary of State, highlights that details might vary by state, and encourages readers to do additional research for their specific situation.

Offer Mail Example

Unfortunately, there is no publicly available example of an offer mail from InCharge Debt Solutions. This type of information is typically confidential and shared directly with potential clients.

Should any such information become available or shared by customers in the future, this section will be updated accordingly.

For specific details regarding their services and offerings, contacting InCharge Debt Solutions is always best.

Official Website

InCharge Debt Solutions’ official website is reachable at The site offers a plethora of information about the company’s debt relief solutions and educational materials.

InCharge Debt Solutions - Official website

Key Features of the Website Include:

  • Debt Management Services: The website offers several solutions to manage and reduce debt.
  • Education Resources: The site is rich in financial literacy resources, providing visitors with valuable knowledge to better understand and manage their financial situations.
  • Money 101: This section contains numerous articles and tools, providing an educational platform for various financial topics.
  • User Experience: The website is designed for easy navigation, enabling visitors to find the information they need quickly and effortlessly.
  • Personalized Content: Using cookies allows the website to deliver personalized content and ads, enhancing the user experience.

LinkedIn Profile

InCharge Debt Solutions maintains an active presence on LinkedIn, sharing updates on their services, achievements, and other relevant information.

Below are some key details from their LinkedIn profile:

  • Followers: The company currently has over 744 followers.
  • Services: The company primarily focuses on helping individuals change their lives through financial counseling and education.
  • Recognitions: Notably, one of the members was recognized as the 2020 Manager of the Year.
  • Location: The company is located in Florida, United States.

The LinkedIn page showcases its employees’ diverse backgrounds and experiences, demonstrating the company’s commitment to hiring top talent.

Please note that this is subject to change as InCharge Debt Solutions continues to grow and adapt to meet the needs of its clients and the industry.


InCharge Debt Solutions offers various services to help consumers manage their debt and achieve financial stability. Here is a detailed overview of their services:

  1. Credit Counseling: This free service is offered to all consumers. A certified credit counselor will provide a comprehensive financial review and help you determine the best steps to manage your financial situation.
  2. Debt Management: InCharge Debt Solutions works with your creditors to reduce your interest rates and consolidate your monthly payments into manageable amounts. This is a non-profit debt management program aimed at helping you become debt-free.
  3. Debt Consolidation: If you’re struggling with multiple debts, InCharge Debt Solutions can help you consolidate them into a single payment, often with a lower interest rate. This can make it easier for you to pay off your debt.
  4. Homebuyer Education Courses: These online courses provide potential homebuyers with the information they need to make informed decisions. They cover budgeting, finding a home, getting a loan, and maintaining a home.

InCharge Debt Solutions is committed to providing these services confidentially and professionally.

Commitment to Customer Service and Success

InCharge Debt Solutions is committed to providing quality services to its customers. Here’s an overview of their commitment to customer service and success:

Better Business Bureau (BBB) Rating

InCharge Debt Solutions has an A+ rating from the Better Business Bureau (BBB).

InCharge Debt Solutions - BBB rating

Some notable customers’ feedbacks include:


  • Many customers have appreciated the company’s helpful customer service reps.
  • Some reviews note that InCharge Debt Solutions has helped them consolidate and pay their debts.


  • Some customers have reported a lack of effective communication and sudden account closure.
  • There have been instances of dissatisfaction with their services.

Please note that experiences with the company can vary, and it’s recommended to read more reviews on the BBB website.

Trustpilot Rating

InCharge Debt Solutions has a 4.7-star rating on Trustpilot based on the feedback of more than 2000 customers.

InCharge Debt Solutions - Trustpilot rating

The rating indicates that most customers have had a positive experience with the company’s debt solutions.

The overall rating speaks to the general satisfaction of customers who have used InCharge Debt Solutions.

Should you wish to read more detailed reviews or leave your own feedback, you can visit the InCharge Debt Solutions page on Trustpilot.

Google Reviews Rating

InCharge Debt Solutions maintains a 3.9 Google Reviews rating with mixed positive and negative feedback from around 40 customers.

InCharge Debt Solutions - Google Reviews rating

Forbes Advisor Rating

According to Forbes Advisor, InCharge Debt Solutions has a rating of 4 and is featured as one of the best credit counseling services of 2023.

InCharge Debt Solutions - Forbes Advissor rating

Best Company Rating

On Best Company, InCharge Debt Solutions has an overall store 4.5 and 3.5-star customer review rating.

InCharge Debt Solutions - BestCompany rating

This rating indicates that many customers are satisfied with the services provided by the company, but they still have some room for improvement.

Information about InCharge Debt Solutions’ specific customer feedback on Best Company is 4 years old, so that I would take it with a grain of salt.

It’s important to note that the company is known for its diligent responses to most reviews, indicating a commitment to addressing customer concerns and improving its services based on feedback.

Success Rate

Unfortunately, specific numbers or statistics that can directly indicate the success rate of InCharge Debt Solutions are not readily available online.

However, some relevant information can be derived from customer satisfaction ratings on trusted review websites. According to the Better Business Bureau, InCharge Debt Solutions has an A+ rating.

Furthermore, the company holds a 4.7 TrustPilot rating with 89% positive reviews. These high ratings indicate high customer satisfaction, which suggests that the company has successfully met its client’s needs and helped them manage their debts.

Please note that while these ratings can suggest a high success rate, they do not provide specific details like the number of people who have successfully managed their debts through InCharge Debt Solutions or the average amount of debt reduction clients have achieved.

We recommend contacting the company directly for more detailed information about their success rate.

InCharge Debt Solutions Pros and Cons


  • Good Reputation: InCharge Debt Solutions has an overall good reputation. They are well-regarded in their category on Trustpilot, ranking 24 out of 28 in the Debt Relief Service category and 95 out of 177 overall.
  • Member of NFCC: They are a National Foundation for Credit Counseling (NFCC) member, which adds to their credibility.
  • High Ratings: The BBB accredited them with an A+ rating. TrustPilot score is 4.7, with 89% positive reviews.
  • Success Stories: There are numerous success stories from consumers who have managed to pay off their debt with the help of InCharge Debt Solutions.


  • Customer Service Issues: Some customers have expressed dissatisfaction with customer service, specifically mentioning the requirement for the customer to call the company when the final payment is due.

InCharge Debt Solutions Alternatives

Exploring various alternatives is always a good idea when considering debt solution options.

Based on my personal experience, the best alternative for any loan is a personal emergency fund. Here’s how you built it with no effort (check the autopilot section):

Emergency Fund - A Comprehensive Guide for Financial Planning

Here are four reputable debt management companies that offer similar services as InCharge Debt Solutions:

  1. National Debt Relief: Known for its high ratings on consumer review websites and an A+ rating with the Better Business Bureau, National Debt Relief caters to consumers with at least $7,500 in unsecured debt. They don’t charge any fees until a resolution agreement is approved.
  2. Freedom Debt Relief: Freedom Debt Relief also has an A+ rating from the Better Business Bureau and a high rating on Trustpilot, although it has received some customer complaints. The company charges a fee of 15% to 25% of the total debt in the program.
  3. Accredited Debt Relief: With a high rating on Trustpilot and an A+ rating with the Better Business Bureau, Accredited Debt Relief is another alternative to consider. They have received mostly positive feedback, with one outlier complaint.
  4. New Era Debt Solutions: New Era Debt Solutions has received excellent reviews and an A+ rating from the Better Business Bureau. The company has proven effective, with an average settlement amount of only 42.87% of the original debt.

Remember, when considering any debt solution company, it’s crucial to research and consider various factors such as fees, customer reviews, and success rates.


After thoroughly researching InCharge Debt Solutions, we found no substantial information on their services, customer support, and overall reputation. This lack of data may indicate that the company is still relatively unknown or new in the debt solutions market.

However, we always recommend potential customers conduct their own research before making any decisions. If you are considering using their services, it may be beneficial to contact the company directly to ask specific questions about their services, success rates, and customer service policies.

While we strive to provide the most accurate and up-to-date information, the landscape of debt solutions providers can change rapidly. Always cross-check any information and read reviews from multiple sources.

Remember, when managing your debt, the most important thing is finding a solution that fits your specific needs and circumstances. And no matter which company you choose to work with, being informed and feeling confident in your decision is key to reaching your financial goals.

We hope this guide has been helpful in your search for a debt solutions provider. If you have any questions or want to see another company’s review, please get in touch with us.

Stay tuned for more comprehensive reviews and guides to help you navigate your financial journey!