What Will My Credit Counseling Session Be Like?
Everyone’s debt situation is different. So InCharge Debt Solutions has created multiple
ways for you to determine the best approach to eliminate your debt.
You have the option to speak personally with a Certified Credit Counselor six days
a week* or find your solution
online 24/7. Either of these options will help you find a personalized debt
solution that’s right for you and your situation.
Whether by telephone or online, your credit counseling session will consist of the
following steps . . .
- Collecting contact information. This will include your home address, email
address (if you have one), phone number, etc.
- Asking for your Social Security Number. Don’t be alarmed. Your counseling
session is strictly confidential and secure. We obtain this information in order
to retrieve a portion of your credit report which helps in the credit counseling
process. Obtaining your credit report will not affect your credit score. (It’s a
“soft pull” in credit industry terminology.)
- Reviewing monthly expenses. How much is your mortgage or rent? How much do
you spend on groceries? Phone? This information creates a true picture of your current
financial status which will help determine the best solution for you.
- Providing a personalized solution. Based on all of the information provided,
debt solutions and referral options will be provided to you. These may include social
service assistance, mortgage assistance, self-study educational materials and a
Debt Management Program (DMP).
- If the
Debt Management Plan is the best solution for your situation, you will be provided
with;
- your monthly payment amount
- the time frame it will take to pay off your debt
- the amount of money you will save in interest
The final decision is yours. We provide the options, you make the choice!
Regardless if you are online or contacting one of our Certified Credit Counselors
by phone, finding the best solution to your debt problem can be done from the privacy
of your home and on your time schedule. Rely on our knowledge, creditor relations
and history of caring to find the best solution for your financial freedom today.
* InCharge’s experienced credit counseling professionals are available:
- Monday through Friday from 8:00 a.m. to 11:00 p.m. Eastern Time
- Saturday 9:00 a.m. to 6:00 p.m. Eastern Time