InCharge Debt Solutions-Consumer feedback and complaints against them

I used In Charge to get rid of my dept. We started in about 2001 and we had about $9,000.00 total debt.

It took about 6 years and we paid every card off! They were very easy to work with and I would highly recommend them!
Deb

I belong to InCharge Debt Solutions. Have been a client for almost 3 years now. Started off with about $6,000 while I was still in college. InCharge does not charge you a dime unless you would like to make a contribution. I opted to give $5 per month towards the company who has helped me out of debt, HOWEVER you can GIVE nothing! ask them yourself! It worked for me, they asked me how much I could afford to pay a month, i started off at $30 for each card (I had 2) and then moved that to $50 when I was able to afford $100 per month. It's your choice, but it worked for me. They lowered my interest to 2% and 9% and argued something on my credit report for me!

They all rip offs, do it yourself, check out Davey Ramsey

i agree that it is possible to do it yourself, but that option is not for everyone. Just like everyones debt is different so are the solutions.

WHAT WERE YOUR MONTHLY PAYMENTS ON THAT $9,000?

it goes down on your credit report as a "3rd party intervention" which is bad as a bankruptcy. It normally takes 5-7 years to get out of a CCCS program and you are paying 100% of the principle plus the interest. Oh that makes sense. Might as well get another credit card and do a balance transfer. CCC is extremely profitable and is funded by the credit card companies themselves.

I have no idea, why anyone would have a complaint against this firm. I turned all my worries over to them, they worked a budget for me, gave me room, negotiated all my credit card debts, and got me debt free in 4 years. There is no set up fee, and there were even a few months where it was difficult for me, they waived payment. I reffered many people, and all are more than happy.
If there is any complaints, I would think it would be that the client has the responsability of communication to them. Changes in circumstance, finance etc...but I always found them warm and very much my advocate.

the best thing for you to do talk to your creditors and explain your situation, cause to me these debt mangement and settlement companies sound too good to be true, from my experience i was in a debt settlement program with 3 cc one of my cards got settled, and the other 2 went to an attorney office and this debt company wanted me to pay more money, so i canceled the program, cause i ended up getting sued and now these creditors have garnished wages from my check. And my credit score went down. So just talk to your creditors and see if they will work with you. You'll do better paying your creditors directly instead of some settlement company, at least you'll know they are receiving your payments than a settlement company.

I've been with them for about 2yrs now, they are non-profit, the $15 monthly fee is optional. You can change it too $1 if you want to. It is considered a donation and you DO NOT have to pay it. I have changed mine to $5 a month after a few months into the program. Also, if the second post is correct with 18 complaints in 36 months, that is amazing. I am very happy with the program and I really wasn't that bad into debt I just didn't want to end up in debt so bad like my sister and mother are.

I will be as brief as possible. I have been with INCHARGE for 8 months now. I was with a DEBT CONSULTANT (DEBT CONSULTANTS OF AMERICA) group for one month. In that one month, my credit score sank like the DOW and I was getting a minimum of 5 calls a day from my creditors. All of my debt increased to somewhere around 30% on all my cards. That one-month set me back at least 6 months.
One of my creditors told me about DEBT SOLUTIONS and that they were legitimate. I had nowhere else to go.
It takes about 3 months to get all creditors to get on board and you have to do a lot of the work initially, but that is a good thing because that is what INCHARGE is all about. Teaching you to manage your money and learning how the process works. INCHARGE has many educational tools on their web site as well.
I recently had a pay reduction at my work and was unable to cover a portion of what I owed for my monthly payments. INCHARGE lowered my monthly fee by $15. It does not sound like a lot and I did not ask for a pay reduction, but they just did it and took it out of what they earn. Now I ask you, would a bad company take money away from themselves if they were not legitimate?
All I can say is the people there are honest, friendly and very helpful. Something I can’t say about the creditors they deal with.
I do intend on paying the $15 per month back when things get better at work or when I have completed the program.

So far so good with them !! I had 15 k in debt and out of control interest rates. They were able to minimize all my interest rates to under 10 % and work with my budget.

I have had all the collection calls stop and they are all getting paid.

Worked for me !!!

Credit counceling is for suckers. Call your creditor(s) yourself and tell them if they don't lower your rate then you will have to enroll in a debt settlement program. Creditors hate that word. They'll change your rate over the phone. I did it with 5 creditors! In Charge is in charge of a scam for suckers...

incharge did not work for me. I had about 25,000 in cc debt. They did not lower my payment they just rolled them all togther and tacked on a $50 fee.(my monthly payment was 580 a month) After about a year in the program i saw little change in my cc balances. The interest rates sky rocketed and they kept charging late fees, and such. but my sister used them with great success but her debt was very small less than 5000. So maybe it just depends on the amount of debt and who your creditors are on how well the program will work for you.

Can't find them anymore ont the net why? Freedom Debt Solution is the name!!

So I am in a bad program should I find someone else?

No you are not in a bad program. I just started and am getting wonderful responses from them and my creditors.

What you have to think about is that you are not totally putting them "incharge". You HAVE to watch your statements and balances. If the creditor did not agree with what incharge offered them, incharge will still make the payment you signed up for and you have to make up the balance.

which i dont mind doing b/c i am going to have 25 years of debt paid off in 4 years! YIPEE!!!

I know some people have said "just do it yourself, your creditors will work with you" I fyou are like me and hold a full time job! I dont have time to do that...so i leave it to someone who has time and gets paid for it

I.E. I pay 398 a month with a 40 fee tacked on. And as each creditor gets paid off that "fee" goes down