I am halfway through a 4- year debt management plan. Insight made it easy to enroll by dealing with creditors. The awfulness of large debt eased from fear, panic, and shame into a steady, doable lean... See more
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See what reviewers are saying
This company does something truly remarkable they don’t push you another credit card to shove all your debt on to, they put it all on under their belt onto their backs and negotiate better interest an... See more
Okay they were good until I asked them Bankruptcy through there client area and then they shut off the autopay, this made me miss a payment on all bill and the creditor been blowing up my phone. I... See more
Company replied
I've never used these services before but I got to a point that was more than needed due high interested in some credit cards I have. The lady I spoke to like 6 months ago explained everything so well... See more
Company replied
Company details
Written by the company
Debt Relief Solutions: Nonprofit Credit Counseling, Debt Management and Debt Consolidation. Helping Millions Become Debt Free Since 1997.
Contact info
5750 Major Blvd, Suite 300, 32819, Orlando, United States
- (800) 565-8953
- contact-us@incharge.org
- incharge.org
4.5
Excellent
2K reviews
Replied to 100% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
They were there for us went I really…
They were there for us went I really needed it and made my life back to normal so I thank them for that I will do it again if I need to
26 February 2026
Reply from InCharge Debt Solutions
Thank you so much for leaving us a review! We’re truly glad to hear that we could be there for you when you needed support the most, and that the program helped you get things back on track. Your trust means a lot to us, and we’ll continue to be here to support you every step of the way.
Sincerely,
InCharge Debt Solutions
They wouldn't keep you informed about…
They wouldn't keep you informed about your accounts and the payments
4 January 2025
Reply from InCharge Debt Solutions
Thank you for sharing your feedback. We’re sorry to hear that you felt uninformed about your accounts and payments. Keeping clients updated is very important to us, and we appreciate you taking the time to let us know about your experience.
We do want to clarify that we send periodic communications to keep clients informed about their accounts and payments, and also provide statements to ensure accurate and timely updates. Earlier today, we attempted to reach you by phone to discuss your review and gain a better understanding of your specific situation, but we were unable to connect. Please feel free to return our call at the telephone number provided in your voicemail at your convenience.
Your insights are valuable, and we’d love the opportunity to learn how we can improve. Thank you again for sharing your thoughts!
Sincerely,
InCharge Debt Solutions
The best decision I made was to enter…
The best decision I made was to enter into their debt management program. It has been almost 4 years, and I can begin to see the light at the end of the tunnel. I have added another card to the program, and I love to see that the debt will be taken care of faster than if I had continued paying the minimum payment. All these years in the program, has lifted a heavy load from me.
Thank you In Charge. In my book, you are #1.
13 December 2025
Unprompted review
Reply from InCharge Debt Solutions
Thank you so much for leaving us a review and for sharing your journey with us. We are honored to have supported you over the past several years and are thrilled to hear you are seeing the light at the end of the tunnel. Your commitment and progress are truly inspiring, and we are grateful you trusted InCharge to be a part of that journey. Wishing you continued success as you move closer to becoming debt free.
Sincerely,
InCharge Debt Solutions
Good but don't ask a question in client area
Okay they were good until I asked them Bankruptcy through there client area and then they shut off the autopay, this made me miss a payment on all bill and the creditor been blowing up my phone.
I ask 3 people who work for Incharge if they are going to take the money out of my bank account automatically and each person said Yes.
They never took money out and I missed a payment.
Now I'm no longer with them.
3 July 2025
Unprompted review
Reply from InCharge Debt Solutions
Thank you for taking the time to share your feedback with us. We're sorry to hear that your experience did not meet your expectations, but we truly appreciate the opportunity to speak with you directly following this review.
As discussed, you have been provided with contact information so that if you have any additional questions about your past program with us, you're always welcome to reach out.
Sincerely,
InCharge Debt Solutions
My debt is still going up
I have been paying Incharge monthly, but my credit card debt is not going down and I continue to get high interest charges on my account. I want my debt to go down, not up.
29 June 2025
Unprompted review
Reply from InCharge Debt Solutions
Hello Kit,
We are sorry to hear that your experience hasn't met your expectations, and we would like to the opportunity to look into this further. Please email us at contact-us@incharge.org with your full name and client ID, while also referencing your review so we can better assist you. We are committed to supporting you on your journey to becoming debt-free and would welcome the chance to review your situation with you.
Sincerely,
InCharge Debt Solutions
Useless
Useless. I didn’t feel great about myself needing to reach out to a service like this. Then I felt judged and worthless all in an 8 minute call.
20 June 2025
Unprompted review
Reply from InCharge Debt Solutions
Hello Maria,
We are sorry to hear your experience left you feeling this way. Our goal is to provide supportive, judgement-free guidance and aim to offer realistic solutions while treating every person with care and respect at the same time. If you're open to reconnecting, please email us at Inquiry@incharge.org. We would welcome the opportunity to speak with you and see how we might be able to help further.
Sincerely,
InCharge Debt Solutions
Payments are way too high.
14 February 2025
Reply from InCharge Debt Solutions
Thank you for taking the time to leave us your feedback. We're sorry to hear that you're having concerns about your monthly payments. Please know that we're committed to providing the highest level of support and always strive to make your experience a positive one.
We did attempt to contact you recently and were unable to connect. If you have a moment, we would greatly appreciate the opportunity to speak with you. At your leisure, send us an email to Contact-Us@incharge.org with your name and phone number while also referencing your recent review, so that we may speak with you about your experience. We look forward to hearing from you.
Sincerely,
InCharge Debt Solutions
First time using their services
I've never used these services before but I got to a point that was more than needed due high interested in some credit cards I have. The lady I spoke to like 6 months ago explained everything so well she was so patient and nice with me with all the question I was having. My total debt is not that big around less than 4k but with low payments every month no more ton of interests I've paid $500 off at this time without affecting my current economic situation. They are great they are really attentive and they really want to help you!
1 July 2024
Unprompted review
Reply from InCharge Debt Solutions
Thank you so much Zane, for your thoughtful review and for sharing your experience! We're so glad to hear that our team was able to provide the clarity, patience, and support you needed. We're honored to be a part of your journey!
Sincerely,
InCharge Debt Solutions
There is no easier way to get out of debt!
You made the process so easy and simple! I am getting debt free with one affordable monthly payment. I can't recommend this service enough!
13 February 2025
Reply from InCharge Debt Solutions
We're so glad to hear that you found the process easy and simple and that our program has helped you work toward becoming debt-free. Your recommendation means a lot to us, and we're honored to have been part of your financial success! Wishing you continued progress and peace of mind along the way!
Sincerely,
InCharge Debt Solutions
Saved my sanity
They arranged a sensible payment plan on my behalf and I pay less each month but because of the dramatic decrease in interest I'm paying my debt off much faster. They are wonderful to work with. The problems that feel insurmountable, they make quick work of
13 February 2025
Reply from InCharge Debt Solutions
Thank you so much for your kind words and for sharing your experience! We're thrilled to hear that our program has made a meaningful difference for you and that you're seeing progress toward paying off your debt faster. Your feedback means the world to us, and we truly appreciate the opportunity to support you on your journey.
Best Regards,
InCharge Debt Solutions
I continue to receive letters from my…
I continue to receive letters from my credit card companies that I have in my loan with you threatening me with canceling because you are paying them past the due date. I would have never consolidated if I had known this stress would continue like this. This should be something you agree on with them at the time of settlement. They won't talk to me about it.
8 February 2025
Reply from InCharge Debt Solutions
Hello Julie,
Thank you for sharing your feedback. We're sorry to hear about any concerns you've had regarding notices from your creditors. After researching your accounts, we confirmed that they are all current. We also attempted to reach you by phone to discuss this further, as there may be additional account details contributing to these notices. We'd appreciate the opportunity to go over this directly with you. Please contact us at the telephone number that we recently emailed to you. We look forward to speaking with you soon.
Sincerely,
InCharge Debt Solutions
I have been with ICDS for over a year
I have been with ICDS for over a year. My experience has been good. They send me reminder emails every month before my payment is due. They let me know if there’s any issues. I go into my accounts every couple of months to make certain the amount still due is correct. It is nice to be able to just check your accounts without having to call the office.. All documents are on your account so you can view them at any time.
6 February 2025
Reply from InCharge Debt Solutions
Thank you for your kind words and for taking the time to share your experience! We're so glad to hear that you've found our reminders and account access helpful. We truly appreciate having you as a valued client!
Sincerely,
InCharge Debt Solutions
Reply from InCharge Debt Solutions
We sincerely appreciate your thoughtful review! Your trust and commitment mean a lot to us, and we're grateful to have been a part of your journey. Thank you for choosing InCharge!
Sincerely,
InCharge Debt Solutions
My experience with InCharge has been…
My experience with InCharge has been nothing short of great from the beginning. I am closer to the end of my debt and wouldn't be without them. I would highly recommend them if you feel like you have no hope of getting out of debt, they can help.
30 June 2024
Reply from InCharge Debt Solutions
Hi Pam,
We're so happy to hear that InCharge has been a value part of your journey to becoming debt-free. Your recommendation means a lot to us, and we truly appreciate that trust you've placed on our services. Thank you for your kind words and for sharing your experience!
Sincerely,
InCharge Debt Solutions
When I first reached out to the company…
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.
9 January 2025
Always there for assistance
Always there for assistance. Help consolidation of debt to make easier. Easy communication
5 January 2025
Mixed Feelings & Little Financial Support
Pro: Some helpful information provided, breakdown of budget and deficits given, and respectful staff (i.e., Gil Hewitt).
Cons: Time-consuming process, which may not be able to lead to financial and negotiation support to reduce and eliminate debts. May not provide an optimal solution.
Called the company twice within 6 months and they could not help; either too early to help me out with the creditors (before falling behind payments) or too late for them to do anything (2-3 months behind).
Recommended that I reach out to creditors to settle debts or declare chapter 7 bankruptcy, which did not seem like an appropriate solution.
I am working with Accredited / Beyond Finance to negotiate settlement offers, but they charge a 25% fee. They were able to get one offer to stop a civil suit brought on by AMEX. At least Accredited is trying to help me instead of jumping to declare bankruptcy.
2 January 2025
Unprompted review
Reply from InCharge Debt Solutions
Thank you for taking the time to share your feedback with us. We sincerely apologize if your experience with us did not meet your expectations. Our goal is to provide every individual with tailored guidance and resources to help address their financial concerns. We have made an attempt to reach out to you directly to learn more about your experience and see if there is anything further we can do to assist. If you're open to discussing this further, please feel free to contact us at contactus@incharge.org at your convenience.
We truly appreciate your positive note about the helpful information and respect shown by our staff. We remain committed to being a resource for you.
Sincerely,
InCharge Debt Solutions
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