I have been able to pay down credit… I have been able to pay down credit card debt and not worry about it. The payment was affordable. When I had an issue with a creditor who "disappeared", they took them off the plan with no issues.

As long as I make my payments on time As long as I make my payments on time, I am closer to being debt free. It always amazes how far i have come. Your guarantee and freedom from creditors calling and sending letters are phenomenal.

Took care of my creditors so I could… Took care of my creditors so I could get back on my feet.

Kalesha Jones is my APRN and is the… Kalesha Jones is my APRN and is the only health professionals at Harmony that seems to genuinely take an active interest in my well-being. Dr. Jones was there for me mentally and emotionally during the month of August 2023 when in the time span of 1 month I lost my mom due to pancreatic cancer. I was able to live through that devastating event after all. Much to my surprise, I didn’t even try to end my own life, due to Ms. Jones. Most sincerely, Judith Byers

Extremely helpful! On their website, it says "You don’t need a loan to eliminate credit card debt. A debt management program consolidates all your credit card bills into one, lower monthly payment at a reduced interest rate. You can be debt free in 3-5 years." As a customer, I can agree with the statement on their website 100%! Watching my debt go down faster than I could have ever done on my own takes a huge burden off and I feel like I can breathe. People go into debt for various reasons and InCharge is there to help! They also have educational financial material and tools that are very helpful. Also, the staff/agents I have talked to so far seemed like they really truly WANTED to help. Overall, great experience and I recommend.