"I Did It!" InCharge Clients Share Their Personal Triumphs

InCharge Clients Share Their Personal Triumphs

And you can too, with our help. At InCharge, we’re happy to share “success stories”, real-life accounts from people just like you who have made the difficult but rewarding journey from financial distress to financial success through their debt management programs. Just like the individuals you’re about to discover, you can do it. And we’re here to help, whenever and however we can. You too can become a success story!

John B.

Financial trouble doesn’t discriminate against those with a vast knowledge of their own finances and how to manage them. John had worked in the financial field for many years, and it was a divorce that escalated his situation to the point where he needed help.

When John and his wife finalized their divorce, he was left with the responsibility of repaying the more than $8,000 in debt they had accumulated on three credit cards. With the constant monthly late fees and over the limit fees, John confessed, “I just never get caught up.” He was honest enough to admit that he was consciously trying to resolve this situation on his own, but simply couldn’t. Finally, he called one of his creditors directly to see if they could help him and that’s when “they recommended us to you (InCharge).”

After being on the program, John is relieved knowing he has his finances under control once again. “The thing that you guys did that I couldn’t do, is this—you were able to work with the credit companies to get the fees knocked down and the interest rates that I was paying down to where they were more workable.” John states that his credit score has improved and advises anyone who is considering enrolling in a debt management program to do it as soon as possible. “Get into a debt consolidation program as soon as they (your creditors) recognize that there is a problem. Get the problem resolved and then don’t allow it to happen again.”

Richard B.

Many credit card users are lured in by the free t-shirts and other novelties offered by credit card companies on college campuses—which is what happened to Richard. Ten years, four credit cards and about $14,000 in debt later, Richard decided it was time to call InCharge.

Before Richard enrolled in the program, he consistently made the minimum payments on his credit cards. But when he got his first professional job, Richard decided that he was now going to begin paying off his credit card. However, even then, Richard felt he was unable to control the situation, “I had gotten behind on one (credit card) and (the credit card company) hit me with $25 late and overdrawn fees every month. At one point they wanted $600 as a minimum (payment)!” Despite his hesitation to enroll in a debt management program, Richard called InCharge to decide if this was the path he needed to take, “I didn’t say ‘yes’ right away. I wanted to crunch the numbers and make sure it worked for me.”

After being on the program, Richard learned a very important lesson, “It was the first time I was able to be on a budget. It was good to finally have everything set.”