Good Service Could Be Better InCharge provides a good service but I wish more of the specifics had been explained, such as the fact all the accounts would be canceled. This is very detrimental to a credit rating helped by years of credit history. I also feel the negotiated interest rates are too high. Most companies offer a 0% or very low interest rate if the full amount is going to be paid off & the account canceled. InCharge should be a better advocate for their clients & secure lower interest rates to make payoff quicker & easier.

$200k in CC debt gone over 4 years We just finished paying off about $200,000 of credit card debt in just over 4 years. They made it really easy to set everything up, the negotiated interest rate across all creditors was way better than when I tried to negotiate myself, and everything was easy. My only wish is the online system could be a little more modern, but their US based customer service agents are great and respond quickly. Would recommend them to anyone trying to avoid bankruptcy and shedding their credit card debt.

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.

Lowing my interest and combining all my… Lowering my interest and combining all my credit cards together really helped and brought my credit score up. I’m so thankful for your service and will always recommend you

In 2020 at the beginning of Covid my… In 2020 at the beginning of Covid my income in my industry collapsed. Working in the school systems of New York City my $20,000 contract which I filled would take nine months to be paid. I turn to Incharge and they have been wonderful! I have been able to get back on track, survive the economic craziness of the Covid impact on my finances, and I am halfway two completely paying off my credit card debt. This was done with respect, and everyone that I’ve worked with has been professional and friendly. Thank you Incharge.