InCharge Debt Solutions-Consumer feedback and complaints against them

I FOUND THE REPRESENTATIVE THAT I SPOKE WITH TO BE HONEST. HTYE TOLD ME THAT WITH MY SITUATION THAT THEY WOULD NOT BE ABLE TO HELP. THEY COULD HAVE EASILY TAKEN MY MONEY AND LEAD ME ON...

i am paying off my credit cards through them- no problems whatsoever. i pay my monthly fee on time, and will have paid off $21k-ish of debt in 4 years. i couldnt do that on my own. 2 more years to go, and i have learned my lesson. i will say that my friend joined & was having trouble making the payments due to job issues, and never really saw the debt go down- some cards wouldnt even join the progam. so it didnt go as well in that case. but i would recommend it- its better than bankruptcy, helps build your credit score back up (vs not paying or paying late), and you cant use cards in the meantime- so no additional debt.

will this program affect my refinancing a mortgage?

I used them several years ago and was completely satisfied with their service.

they are reputable and can be trusted.

I recommend In Charge they help me pay off my debt years ago and now that I have gotten laid off and my with my husbands passing I need them again. I paid every month and within the three years all my cards were paid off. My debt is much higher now but, I know they will help.

I've got $63k in collections debt. Would In Charge work for me?

I used to pay 1200 a month now I pay 726
for 5 years! They helped us! I recommend In Charge Debt!
Some of my cards didn't lower the interest rate much!
some lowered to zero up to 8%. The two cards that didn't lower much, have larger payments! It will all work out!
Only about half closed my accounts, I really think our credit will be restored and better then ever in 4-5 years!
We were paying the minimum and not getting anywhere before! Our Credit was good but not 700s. That is our goal!
After making this choice, I think we will some day soon!

I'm through with this company and I couldn't be happier!

Ok, that's very misleading. The reason I'm through with them is because my wife's debts are now completely paid off thanks to them. During college she got into a bit of CC debt and was a bit irresponsible paying them off. After months and months of calls and threats from various companies, collections agencies and lawyers, we got her signed up with InCharge.

What they did was fantastic and stress-free for us. They called all the companies, negotiated payments and/or settlements and then set up a payment plan with us. Could we do this ourselves? Possibly, but because they're experienced, have contacts and have a reputation, it's much easier to have them do it (and did I mention stress-free?). As they are 501(c)(3), they ask for a monthly donation along with our payment. Even a little is better than nothing, especially for the work they do.

After a couple of years of monthly payments, we were complete. Month after month, they send an update of how the accounts are doing along with loads of debt management materials to read up on. If there was ever an issue with any of the companies, we would call InCharge first and they would handle it or tell us how to. This happened on more than one occasion. Someone mentioned that CC companies will put "3rd Party Intervention, which is just as bad as bankruptcy". This is untrue, at least for us. Since we've been working on her credit, her score has gone from 568 to currently 666 and rising in 2 years time.

I'm unsure how they stay above water, but I'm glad they are. Do not listen to anyone who only relies on BBB reviews. This company has done nothing but good for us and thousands of other people.

Also, the company hasn't changed names, they're still InCharge (dot org).

My mother uses In Charge after getting into credit card debt. Originally, they charged her a small fee, but waived it after a short time because my mom's income is low. Mom has paid off all of her cards except 2, and those 2 had large balances. But money is paid every month, and she gets statements from In Charge on a regular basis. She and I are both happy with the company.

I was looking for the number for InCharge for my brother and came across this forum. I was surprised to see that people had issues. I am actually very surprised. I had accumulated debt in school due to careless spending and of course it caught up when I figured I could transfer balances, but never closed to cards. I called InCharge and 4 years later, their program completed and I am debt-free from credit cards. I honestly would recommend the program. I am not sure of the issues other people had, but I know it worked for me. I am very thankful for the service.

u guys have been soooooo helpful thank you

No they're not a scam at all. I've been with them for over 3 years now. I too was in over $20,000 in debt with 5 creditors. Being on InCharge, I was able to knock off 3, so now I am only left with 2, now $12,000 left! I am so excited, I am so close to freedom! Its nice to not have creditors hassle you about payments. InCharge works with them to lower interest rates and monthly payments.

But I must tell you this, yes InCharge is a non-profit organization and is approved by the BBB. When I first called to sign up for them, they tried to add a per month courtesy charge. But I told them to take it off, and they did with no problem. Their customer service is very polite!

They have a online website that you can track your payments and creditors, update your account information etc. Its very convenient. No worries at all from them. And if you are worried about it, just make sure you check with your creditors often to make sure those payments are being distributed to them. That's what I do.

I have used them for over a year without issues. My balances have gone down and I've paid a few debts off. They've been a big help, and I feel as though they can be trusted.

Forget the Debt settlement co or the credit counselling.
Why pay someone for something that YOU can do yourself?
Contact the CC or debt collections. Ask about their "hardship" programs.
Remember..if you DON'T ask you DON'T GET!!!

If you get an unsatisfactory answer from a debt collector ask to speak to someone else or their supervisor who will have the authority to go lower.

Amex is different now than before where they would not budge on their settlements. With the economy I can negotiate a settlement and pay over 6 months where the first time around they wanted a luimp sum.

Citibank was more generous with their hardship program.Â*
I finished paying off my Wal-mart card.

I've been there, it will get better.

Hope this helps,
Terri

P.S. Google Suze Orman she has a great strategy to pay off your CC faster.

I have used them for a year and my debt is much lower it's a very good company and I trust it and feel happy that I found it. It's been a great help.

I have used a company named New Start Debt Settlement. I have been with them for two years and they have settled a significant chunk of the debt i owed. I have recommended them to a few of my friends and they have thanked me for getting them into a better situation. here is their website www.newstartdebtsettlement.com