This is legit!! This is a godsend. It’s the only one you can trust, it’s a Non Profit. They are so kind and helpful. Initially I left off a couple creditors but have since added them into my program. Incredibly easy to use the app to check up and inquiries are always responded to. I’m really happy I finally took charge of my situation. I’ve already paid of 20% of my debt and the interest is no longer compounding! Thank you to everyone who works at InCharge.

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.

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

$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.