Our Approach

At InCharge, we don't just offer a one-size-fits-all solution for your debt problems. We look at the combination of factors that have contributed to your current situation. We'll analyze your debts, income and assets, and help you prepare a realistic budget, then present you with solutions that fit your needs. Learn about your available options (see links below) and we’ll help you activate the one right for you.

Debt Management Program (DMP)
Our relationship with your creditors can potentially help reduce your interest rates, eliminate late and over-limit fees, and combine your payments into one manageable monthly amount.

Mortgage Assistance
If you are having problems keeping current with your mortgage payment, try the ideas in this article and let InCharge’s referral resources help you get back on track.

Student Loan Assistance
InCharge has contacts throughout the country who can help you reorganize your student loans and repay them in a way that is affordable for your budget.

Money Management
Debt stress can make some consumers panic, but often they are able to handle their debt load by simply using their money more prudently and developing a budget.

Lump Sum Pay Off
Some people with sufficient assets are able to contact their creditors and work out an agreement to retire their debt with a one-time payment of a lesser amount.

Self-Help
Using the tools found on this Web site, such as calculators and budgeting tools, those with adequate financial resources can take care of their debt problems on their own.

Home Equity Line of Credit
Homeowners who have built equity in their homes may want to consider taking out a "Home Equity Line of Credit" (HELOC) and use it to pay off their other debts.

Judgment Proof
People with protected sources of income, such as those on disability and Social Security, may want to seek temporary court protection of their assets from creditors.

Bankruptcy
As a last resort, consumers with debts they are unable to repay may consider filing for bankruptcy, and InCharge Education Foundation offers the courses required by law.