InCharge Debt Solutions-Consumer feedback and complaints against them

The fee's and payment on this charge card, is rediculous. I'm 75 years old and I have a balance of five thousand plus dollars. Every since the summer, I've been making regular payments, this balance dosen't seem to change. On my statement there not even ashame, to note that with me paying this monthly payment, it would take me 24 years!! This to clear this balance. I'm one to pay my bills, this one is out of hand. I need help, Betty

What is the charge for this service?

What is the charge for this service?

Does InCharge Debt Solutions require you to close out all of your credit card accounts or only the ones they are helping you with?

The idea of debt management program is to help members with their debts when encouraging them to live within budget. Hence, the idea is not to accumulate new debt when you are in a debt management program. You would need to stop using the credit cards which you have added to the program.

although, you are unable to continue charging, the end and most positive result is that you are saving thousands of dollars. I recently had them with 8 credit cards and cannot say enough about everything..easy to enroll..easy to pay and very helpful and knowledgeable staff whenever you call. I would definitely recommend them and wll as I was able to eliminate my debt within 33 months. I had a small settlement so I applied most of the money to incharge and was debt free in only 18 months!!

I was in about $26000 debt when I called InCharge in 2006. They set me up on a payment program, lowered my interest rates and the creditors stopped calling within a week. They did ask for a donation and I gladly gave it to them because they were saving me thousands after all. After about 2 yrs, times got a little tough and I called them and told them I could no longer afford my donation and they gladly stopped charging me one. For 4 yrs, I paid a monthly payment to InCharge. It was a long hard road but VERY well worth it. I finished up my very last payment on April 15th, 2010. I checked my credit score and it was 762!! I couldn't believe it! I thought for sure that being with a debt mgmt program would hurt my score...but when I think about it, they helped me make on time credit card payments to 4 different credit cards every month for 4 yrs!! I feel SO good about myself that I took on that goal and accomplished it rather than bailing out and taking the easy road, and filing for bankruptcy. ONE TIME in that four years they made one mistake, and it was on my last payment. I gave them my payoff balance for my very last credit card and said that I wanted that amount taken out rather than my normal amount. They accidentally forgot to stop payment on my normal amount and took out both amounts. It cost me $245 in overdraft fees...but you know what? They quickly took care of it and paid for the overdraft fees that mistake caused. I imagine that it was an honest mistake and hardly ever happens. My opinion, this counseling service gets an A+. Hope this helps!

They are charging you how much for there services - I have a set up fee of 25.00 - I am confused?
Just making sure I am going wit a good company. I have 4 kids and pregnant with 5th and can't handle anymore right now.

Thanks!

The DOD doesn't ''Sponsor' or endorse private companies. This comment shows you are a shill. How musch were you paid to write that...or do you or a relative have an interest in the company?

I used In Charge and the program worked beautifully. I even missed a payment one month and the company was very understanding and worked with me to accommodate my ability to pay. I have paid of 1000's of dollars now in exactly the time they said it would take and all my credit cards / accounts were settled. They always treated me with respect, professionalism and respected confidentiality completely. I am VERY pleased with In Charge.

I've been with InCharge now for just under 3 years. I had close to $15 000 in debt. They managed to wipe all my interest rates so I am only paying the principle. For a while I did pay a voluntary donation, but stopped that when times got tough. There was no problem with it.

I have skipped payments a few times when times were tough as well and they were great to work with.

My final payment will be in June 2011 and I can't wait.

Also, it's true about the credit - I saw my score the other day and was shocked. It does help you build credit.

I just signed up online for in charge debt sol. They seed $15 to my proposed monthly payment plan. Is this all that I'll pay or are there other fees involved?

yes there is "buddy". Do your homework before spouting off pseudofacts!!!!

I am so broke my kids got air pudding for sainte chapelle day. I signed up and will look over the paper work, but if it can cut the crazy interest rates these banks charge, I think I'll join. Moreover, the banks cut my limit and stabbed me in the back and left me for dead. I pray they all burn in hell. Amen.

I enrolled with Incharge Debt Solutions 4 years ago with $20,000 in CC debt. My final payment is next month and I couldn't be more pleased with their service. They were able to reduce my interest rates from 25-30% down to 5-10% which made a huge difference. My monthly payment was set up as an automatic withdrawl from my checking account so I never worried about missing a payment and there was never a problem -even when I moved and changed banks. My FICO score has been increasing and I'm looking forward to being totally debt-free in 30 days...with the help if Incharge Debt Solutions.

I have consulted with InCharge and received my Quote on my monthly payment amount to reduce my credit card debt. If I chose to go with this company, how will this affect my credit? Anyone know? ? ?