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.

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.

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.

Help Needed The experience I've have with In Charge Debt Solution is that they spoke with the creditors about my accounts and negotiated a reasonable payment per month that I could afford.

Hassle free customer service Hassle free customer service! Completely satisfied with how my representative handled and explained everything. I get an email every month when funds have been posted to my accounts and the online portal lets me view interest and balances. I am so relieved to only have 1 payment to worry about while keeping my credit scores up.