InCharge Debt Solutions-Consumer feedback and complaints against them

InCharge Debt Solutions is also a nonprofit organization, has a nonprofit education foundation, works with the Department of Defense to provide needed personal finance services to the military, and has the highest rating offered by the Better Business Bureau.

InCharge has the highest rating offered by BBB, check it out.

I have had personal experience with In Charge Debt Solutions and I'm really surprised to see any complaints. They were extremely professional. I paid off $30,000 + in credit card debt in less than 4 years. My credit rating was not harmed in the process....to the contrary. My credit rating went up because my debt was eliminated. This is a good - honest company.

I just went through their online application and am to the end where it asks for my bank information. The deal seems too good to be true? The reason why I am seeking help is that two my my credit cards have jacked up my interest rates to 26 and 29.9%. Both cards have a high balance and we were able to make the payments when they were below 10%, but now the finance charges alone are insane, more than the total original payment was before the interest rates went up.

They are telling me I will have a savings of $177/month and be paid off in 4 years. That is a dream come true, is this for real or am I being scammed?

I have also tried to deal with both card companies, both say I do not qualify for the hardship program and I have each month for several months now.

This is extremely hard to masturbate to

Someone said they have an F at the BBB? Unless something has changed, I just checked the BBB rating for them as suggested above, and they have an A+ rating. I don't think that means much, because I know if completely rotten companies with the same rating (3 years = 733 complaints). However, we had a good experience with In Charge. Unlike some other debt settlement companies, they didn't charge us anything up front. Some companies, apparently, want you to pay a bunch of money up front, then they tell you they can't help you, and you're just out the money you paid, as if you can afford to lose it.

Our payments were reduced by half. We closed our accounts and paid everything off in three years due to reduced interest they negotiated. This may not work for everyone. We weren't behind in payments; we just looked at where we were financially and got nervous, because if something ever happened, we thought we could easily get in trouble. (And actually, I was laid off a year and a half later, so it was a good thing we had done this.)

This is just anecdotal, and it may be different if you are way behind, but they helped us. They told us that they would look at our situation for free and tell us if they could help us--and they did (and could). Then we didn't have to pay them anything but a nominal fee to help--we were saving hundreds more than we were paying them. It was a good deal for us.

I worked at InCharge for 3 years and while I did not like the job I must say the program works. The biggest issue is that people believe (or the co makes them feel) they sign up and their problems magically disappear. In fact that is when the client's work begins. The DMP sends out proposals and they usually take 3 months to get accepted so the client needs to send in the difference until the proposal is accepted. They tell people that and have it on the contract but people still do not get it. So you are looking at 4 months until any rate change. In addition if a client misses a payment they are DROPPED...I repeated this statement over and over and every month people were canceling or changing their DMP payment. They call back screaming that they are being ripped off. It takes a lot of discipline that most people cannot handle. Incharge sends a statement but so do the creditors and since they are not controlled by Incharge those are the ones to look at. I learned that Incharge does not make people aware of how much work THEY are required to do. Finally AMEX accounts which was a big issue. AMEX charges an interest rate and when the account is paid down they credit back the interest BUT again no missing payments (including the required difference that the client needs to send in until the proposal is accepted). That one was a NIGHTMARE because people were unaware they were not eligible (by NOT looking at their statements or realising the missed payment DROPPED them from the DMP) and thought they were going to get a large sum of cash...I feel Incharge works for the disciplined but 99.9% of the time your credior may be willing to work with you if you call up and ask for their Debt Management Department which many creditors have. Do not talk to the jerks harrassing you for a payment because they will not offer solutions speak to the friendly DMP people internally with the creditor.....My sister has been on the program and loves it. Incharge does work if you are willing to work for it.

My mom used In Charge and paid everything off a lot quicker than she would have had she not used them. Her credit score is also a lot better.

My employee assistance program recommended InCharge Debt Management. We are current on all of our accounts but are using InCharge to lower the interest rates as we pay down/off our debts.

go for it,,,IM ON incharge...AND IM ALMOST DEBT FREE COMPLETELY

my whole family as individuals went into debt managment with 1 choice debt resolution a year ago and we had great results.their number is 1 866 957-0213 ext 245.they helped all the way and whenever i called he was there to help with any concern.i recommend this company because my experience.

I'm currently working with InCharge and I love them! They have helped my wife and I. I have had NO problems getting the money out of my account, sent to the creditors, and getting me low interest rates on my dmp. So in my opinion, they're great!

I joined In Charge in 2004 when I couldn't pay the minimum balances on my cards and they worked with me really well and got even the most stubborn cards to reduce my rates. I've been paying $150 a month and two of my cards are completely paid off and the last one is almost there. If it hadn't been for In Charge, I don't know what I would have done, just out of college with a low-paying job. They had me pay the least amount I could and have made it work for six years now and calling them is honestly the best decision I've ever made. I recommend this company to everyone.

I am confused as what debt management is the best that can save me money. I am dealing with incharge debt solution and they are doing great. i do not see any problem. the only problem is, i read in your site that, they charge only 15 dollar, but that is not true they are charging me almost 50 dollars. can i go back and ask them to reduce it? but that is not all, i have received another invitation from another debt solution company. they claim that, they can reduce the payment from the amount i pay now to half and they will reduce the total amount that i am settling to half. in another word. if i owe 20k i will only pay 10k i do not know how true that is. i would like to get my debt reduced to that point if it is true but i doubt it. eventhough i asked the new inviter what i have to do with my current debt solution comp. they said just cancel it and we will take over. i do not want to open a can of worm again. what do you think
your advice will be appreciated

Sadik, if In charge is doing a great job for you I see no reason for you to switch to another settlement company. Changing your settlement company frequently is not going to help you in reducing your debt, as you may lose on fees and early termination of the program charges. Moreover, it can become really confusing for the creditors as well if a new settlement company contacts them everytime, and they may just file a lawsuit against you.

it seeems the only ones having problems are the ones who are in the thousands of dollars in debt