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Kimball_Steven · 10-18-2008, 10:20 AM

In Charge Debt Solutions Scam:
In Charge Debt Solutions complaints, incharge.org. I would like to hear some feedback from anyone who has used this company or anyone who has information/background on this company. I see positive reviews online and no unresloved complaints.
I have over $25,000 in debt and have had my hours cut at work and can no longer afford my minimums. My accounts are all current and I have a FICO score of over 700 so debt consolidation/settlement is a huge adjustment for me....
Any thoughts?

phoenix · 10-19-2008, 10:16 PM

In Charge Debt Solutions Scam
I have found the following In Charge Debt Solutions complaints in the BBB site: -

It doesn't look very good to me.

In addition I have also found the following page in our forum, which you may be helpful to you: -
Stay far away from Incharge debt solutions

11-06-2008, 06:54 AM

As a personal experience, I recommend contacting an agency like Money Management. This is a non-profit organization. They only charge a small set up fee and no monthly fees like many debt mananagement companies out there. Money Management is part of Consumer credit counseling (CCC). They are really good.

11-12-2008, 10:45 AM

I personally know people that have used InCharge and know some people that actually work for the company. They are local here in Orlando... I heard that they have over 80,000 clients that they deal with and 18 complaints over a 3yr period is nothing... In Charge Debt Solutions complaints, see them in BBB.
I did check out their website and they are also sponsored by the Department of Defense because they provide education to the military as well. I did not find any CCC company that came even close to being sponsored like that...
I would give In Charge Debt Solutions a call, because I heard that they are completely an honest and great company. That's hard to find with all those scam companies out there now!
Hope that helps...

11-12-2008, 04:06 PM

They have been around for awhile and it works for me. I haven't herad of any In Charge Debt Solutions complaints

mobile0311 · 11-12-2008, 05:10 PM

Sullman , this site doesn't allows solicitations. You have already tried to pitch this horrible company on another topic. Debt Zero ..aka debt0enrollment.com has an F rating with the BBB. Look at BBB for In Charge Debt Solutions complaints.

12-09-2008, 08:10 AM

They are a GREAT company. Keep in mind anyone can file a complaint for ANYTHING. That includes people who want their debt to just disappear without taking any responsibility.

Call them and see for yourself. The are 100% non-profit.

mobile0311 · 12-09-2008, 09:11 AM

Sorry buddy they are not non-profit. There is no such thing as a debt settlement company with a 501(c)3 non-profit license.

12-09-2008, 10:08 AM

:idea: If anything don't go with a money management or consumer credit counseling agency. FYI - it appears similar to a chapter 13 bankruptcy. It's virtually the same thing (lowering interest, placing funds into a trust, them disbursing your funds, etc.) without the "legal status". Also, CCCS was created by credit card companies that wanted you to pay back as much as possible. Why go with a company that is created and backed by the people who charge you in the first place? And don't look at "non-profit" companies, either. Another FYI: The credit card company "donates" a good chunk of change to these guys.

In Charge Debt Solutions complaints - just be careful. No matter what solution you choose, there will be a negative credit impact (with the exception of making your payments on time - the severity of the impact depends on the length of time it takes for you to get out of debt. debt settlement is the quickest and cheapest route. CCCS takes around 5 - 7 years (and the payment is higher) and Debt Settlement takes around 36 months or so. Please take it from me - I did CCCS in the past and I'm currently doing debt settlement because I couldn't afford the payments anymore. It saved me about 100 dollars a month and I will be out approximately 1 year and 3 months sooner than projected with CCCS.

If you decide to go with a debt settlement company, go with someone who doesn't house your funds in a third party account. Look at In Charge Debt Solutions complaints. Make sure you keep your funds in an account of your choice. Also, make sure they don't charge you upfront and that they don't charge you a monthly service fee. A good company will divide your fee into some sort of schedule - like where it is a part of your monthly payment so that you can afford it. Make sure that they are credible and have some sort of certification (BTW - BBB is not a good source...after doing my homework about BBB memberships, I found that a company can run a fast food business and then open a debt settlement company and NOT need to get a new membership with the BBB. Anything you need to know, you can find out from BBB without the company having a membership. Crazy, huh?) Check out IAPDA or USOBA credentials.

Check out your options, as well. Incharge is a CCCS company. Have a look at In Charge Debt Solutions complaints. As mentioned earlier, I'm in a debt settlement plan currently with RAM Financial Services (I live in Phoenix and they're local). I have 17,000 in debt and they will pay for credit repair at the end - another added bonus. I am also enrolled into their Debt To Prosperity Power plan, which is financial "life coaching", so I can learn to finally manage money by changing my habits. Another company I considered doing business with is Rise Above debt relief. They are very well known and would be another excellent choice in the debt settlement world. With any company, make sure they aren't trying to sign you up after speaking with you for five minutes - they know nothing about your situation and can't possibly know if they can help you.

Just remember that credit can be rebuilt, so it shouldn't come at the cost of your sanity. Good luck!

12-09-2008, 10:39 AM

i have 14 k in cc debt. they will charge me 2100 for their service, and reduce my debt to 6300, payments of 175 per month for 48 months

enlightened · 12-09-2008, 08:38 PM

dr k, I will ask you to shop around and talk to other companies and take their quates. Search wherther you can get a better deal. Best of luck.

12-15-2008, 11:02 AM

I went through a debt settlement company and swear I'd never do it again. There are numerous In Charge Debt Solutions complaints. I paid the company a fee for a year and a half and my contract was for 3 years, they settled one card and was never able to settle the 2nd card. So, in the long run, my credit is worse than it was to begin with and am now looking into debt consolidation. I have called dozens of companies asking the same questions. InCharge is on top of my list. Many In Charge Debt Solutions complaints. Do your home work, make sure you ask..where they are located(some are in other countries), what their fees are, do they ask the credit card company for a "fair share" charge..with this they ask the cc company to pay your fee and alot of cc companies turn them down for his reason, what is their non-profit status (are they IRS 501 (c) (3) this is usually in their about us section) are they members of the National Foundation for Credit Counselling NFCC, do they get a loan that required collateral. This is a big step that we choose because we are in a crisis, hopefully we ask the right questions and choose a company that does us good. Good luck.

phoenix · 12-15-2008, 07:28 PM

While searching for a debt settlement company, please see whether the concerned company qualifies the following: -
1. BBB accredited or not. What's the rating given to the company by BBB.
2. Does the company have any IAPDA professional? How many such professionals are there? These professionals are qualified persons who have the professional as well as educational capabilities to settle debts successfully.
3. Is it a law firm? Are they licensed with the bar association of the state?

You can ask these questions to the settlement company while shopping for one.

BBB can be a good source of information on In Charge Debt Solutions complaints.

12-19-2008, 10:08 AM

InCharge debt solutions is NOT a debt settlement Company like someone mentioned before. It is a 501C3 not for profit organization. Their program consists of solutions-based credit counseling. For an organization of their size, 18 In Charge Debt Solutions complaints in three years is nothing. Also, according to the BBB, all complaints show are resolved or show the company made every effort to resolve. They are the only consumer credit counseling Organization that has an MOU with the Department of Defense. I say give them a call and check them out for yourself.

02-12-2009, 07:03 PM

I BECAME DISABLE IN 2003.HAD TO QUIT MY JOB.MY HUSBAND COULD NOT MANAGE MY BILLS AND HIS SO WE HAD TO TURN TO A DEBT MANAGEMENT PROGRAM .AT FIRST IT WAS HARD.BUT ONCE WE ADJUSTED IT HAS WORKED VERY WELL. ALMOST DEBT. FROM THE CREDIT CARDS. I AM VERY PLEASED WITH OUR RESULTS. I have no complaints against In Charge Debt Solutions.

02-12-2009, 07:16 PM

AT FIRST MY HUSBAND WAS NOT IN FAVOR OF A DEBT MANAGEMENT PROGRAM. BUT AFTER WE JOINED. AND GOT USE TO THE PAYMENT PLAN.WE FOUND IT TO BE GOOD FOR US.NO MORE LATE FEES.LOWER INTREST RATES.MOST OF ALL NO MORE HARASSING PHONE CALL.WE WILL DEBT FREE FROM CREDIT CARDS BY THE END OF 2009. IT FEELS GOOD TO BE ABLE TO SAY THAT.