InCharge Debt Solutions-Consumer feedback and complaints against them

I had around $17,900 in credit card debt when I first joined In Charge. I have been with them for four years now. Next year in October I will be 100% debt free. They have really helped me a great deal. I would highly recommend them to everyone. It also saved my credit score.

I have been with incharge for aproximatly 3 years and nearly finished. They reduced my monthly payments and got all of my cards interest to 0%. I do not have any complaints with them, however I spoke to a credit card collector (who called my number by mistake-looking for someone else) but I asked him about debt solution compaines and he said that I might as well have claimed bankrupcy...he says it's horrible for your credit...I am waiting for my score to come in the mail but getting worried...anyone know what the truth is?

Here's the deal: Of course your credit is going to be affected because most of your creditors will close your accounts bringing your available credit to zero. As you pay, your balance goes down and your scores will gradually go up. It is a process.

There is a notation that some of the creditors put on the credit reports saying you are in a dmp or something similar. Some creditors do not put the notation. However, the notation is removed once you have completed the program or terminate the program.

You pay back 100% of the balance with less interest with a debt managment program. That is better than bankruptcy or debt settlement. Debt settlement is not a road I would choose. What people don't understand is that even when you settle with a creditor or collection agency for less than full amount, sometime you will still be harassed for the amount you did not pay or worse yet, get sent a 1099C from the agency saying you owe money on the amount you did not pay and this is reported to the IRS. Also, you will have a notation of "settled for less than full amount" attached to that tradeline on your credit report which is extremely difficult to get removed.

The bottom line is: You got yourself into debt...you need to man up and get yourself out. Personally, I am one that believes you should pay back every dime you owe and prefer the debt management programs. Every one is different and every financial situation is different. You need to research programs that are out there and ask questions. I did this and decided to go with Incharge. They have been very honest and helpful. I would highly recommend them.

Incharge debt solutions is not a settlement company they are a non profit
consumer credit counseling agency

I just finished paying all my debt in 4 years!! Now I have $225 extra every month. Not much but atleast I don't have any more debt. This works as long as you keep up with the balance. People who neglected their monthly statements are usually the ones that feels like they got ripped off. People have to understand that the creditors still have control of your bills. They can change their mind and stop complying with the program. Sometimes, they don't have the updated balance which can accumulate if not closely monitored. You still have to work but very little. Yes ur credit will be negatively affected initially but it's at the end when it pays off. Your credit will eventually go up.

I used incharge for 5 years. They did everything that I was expecting them to do. I had about 18,000 in credit card debt. I am not sure if they can do anything if you are not past due on the cards but you will have to call them. They negotiated with all of my cards and lowered the payments. They charged a nominal fee of 20 bucks a month but was well worth it since it stopped all the collection calls. The only downside to the consollidations is that you can not take out anykind of new loan or they will kick you off the program, but I was able to talk them into letting me take out a small auto loan because my car was breaking down and i needed someting better. All in all though I would HIGHLY recomend giving them a try. They took alot of stress out of me.......

Well I contact In debt after talking to 3 CC reps in regards to lowering my Chase, Amex, and citi. 3 CC was able to lower it from for example 25% to 15%, 2 CC 29% to 12% APR. I was happy about CC companies negiotiating my rates. I called In Dept because I wanted to find out my other options. I spoke to the In dept rep over an hour. Gave all my financial data and they inputed and gave me a budget. They mentioned they'll take out about 35.00 a month in fees, about 10.00 one time fee, and something like 50.00 for processing fee. I have no problems with this, but I could have also gone directly to CC companies. THe only thing I needed to do was download the application and sign it. It would take bout 4-5 yrs but at a lower monthly cost from what they said and I understand it. After my wife and I slept and thought about it I decided to do it on my own and just pay my cards myself directly. Hence I already negioted with the CC companies in lowering my APR. I contacted the In Debt rep to let them know and how appreciative I was in helping me yesterday, but declined to go with In Debt at this time. THe In debt rep was so helpful and couteous that she even stated to come back if I ever need assistance. She also told me to contact the CC company and request that I contact someone in the Hardship Dept and plea and negiotiate. I called the Amex and even lowered my 15% to 0% for 6 mos, and then after 6 mos. it'll go back to 9% for bout anohter 6 mos. I still have to make payments of course, but i'm in the program. Of course there's stipulations in doing this program, but felt it was necessary to stop the interest!! I no longer can use my amex card, but at least I can catch up. I saved about 1200 a yr on my amex card originally when I went from 35% to 15%, and then from 15% to 0% APR but in hardship program. I'd probably go with In Debt if I ever need them and cannot deal with going directly to CC companies. However, I dealt with the CC's and will contact my other 2 CC companies and go to hardship program just to stop the APR rate bleeding. I should be able to pay my CC in less then 3 years as indicated in my statement.

That number actually looks pretty good considering they have over a 80,000 client base.

I have used this company and found that they are good. They helped me work through some medical bills and I am now going back to them for credit card debit.

not true - just spoke to them - they were going to charge me $30 a month and at the end of my program - i would have paid back $6000 more than i owed

Great company. I had $20,000 of debt when I started and have over $8,000 to go. They do charge a monthly fee but you can always negotiate that.

I was close to $20,000 in debt. I found Incharge Debt online. They set up a manageable payment plan with me. I made my last payment earlier this month. It took five years to pay this off. I had no problems with Incharge. Payments got to my creditors on time each month. Funds were taken from my checking account each month. The staff was very professional and helpful when I called. Anyone looking for an affordable way to get out of debt, I highly recommend Incharge. I am a very happy customer.

My husband and I joined InCharge in July 2008 with just a hair under $70,000 in credit card bills.... credit cards alone mind you. Fast forward to 3 years later and with steady payments and compliance with our program, we will be completely credit card debt free in 14 more months.. It is the light at the end of a very dark, depressing almost marriage ending tunnel, and getting brighter and brighter as each month passes. I would highly recommend this company to anyone. When we are done, that will be an extra $1400.00 dollars in our account each month and that is a blessing! Also, not that we truly need to be patted on the back, but, getting praise from our debt manager when she told us how much we had cut our debt and how proud she was, well yeah... that just made us beam! Silly I know, but every once in a while everyone needs that pat on the back, that "way to go, keep it up" or sometime it just doesn't seem worth it. So this is LovelyOne with a great BIG THUMBS UP! to InCharge..

You need to get your facts straight bankruptcy stays on your credit for 7 years after the fact. With our program its 2 to 5 years once done it shows that debt is paid in full. Hmm what would you rather have bankruptcy or paid in full? Next time you speak on a company do your research...