InCharge Debt Solutions !

Who is InCharge Debt Solutions?!

•  They are a 501c3 Non Profit organization that specializes in debt relief services!

•  They are located in Orlando, Florida and have been in business since 1997. 17 years in business.!

•  They have served over one million people since opening their doors.!

Leadership!

•  The President and CEO is named Etta W. Money (what an appropriate name!). Ms. Money has been involved in the financial world for decades and now leads a team of more than 100 certified counselors and specialists.!

•  Other leaders include: !•  Jodi McGregor – Secretary!•  William R. Malseed – Treasurer!•  Multiple Board of Trustees members!

What Types of Services Do They Offer?!

•  InCharge offers a variety of services to help individuals consolidate debt, learn about credit and more. Some of their services include:!

•  Credit Counseling!•  Debt Management!•  Bankruptcy Counseling!•  Housing Counseling!

What’s Included in Their DMP?!

•  Their Debt Management Program (DMP) is designed to help consumers get control of the money they owe. !

•  The plan involves combining all of an individual’s credit card debts into one monthly payment in hopes of creating a more manageable payment. !

•  InCharge will work with creditors to lower interest rates and reduce or eliminate fees.!

What Kind of Tools Do They Offer?!

•  There is a fairly active blog with articles and resources that teach about debt.!

•  They also have a large list of resource documents that cover important topics including: how to budget, buying a home, home and mortgage calculators, multiple other calculators, credit score and credit reports, and more.!

•  Workshops around the community!!

What is a credit counseling session like?!•  A credit counseling session with them allows you to lay all

of your debt problems out on the table. Too often we keep our debt issues a secret and thus keep ourselves from finding a solution to the problem. This session will allow you to open up about your problem and find a fix.!

•  Be aware that they will need some personal information from you. This is totally normal because they need information about expenses, your social security number, email address, home address and a few other items to insure that they can give you the most accurate feedback about your situation.!

Are They Active on Any Social Networks?!

•  Yes, they are active on multiple social networks including the following:!•  Facebook!•  Twitter!•  Pinterest!•  Google+!•  Youtube!

•  This is a promising sign in today’s day and age. It’s always helpful to be able to connect and learn over various mediums. !

Great for Spanish Speakers as Well!

•  The site is available in Spanish!

•  In addition to the site being in Spanish, they also have Spanish speakers on staff that can help those individuals that don’t speak English.!

Mobile Friendly!

•  They offer a debt relief solution that’s friendly over all devices, including: mobile, tablet and desktop computer.!

•  This is a positive offering for multiple reasons. It shows that the company is forward thinking and it shows that they are concerned about the user experience. Access to debt help from any device can be incredibly helpful.!

Is My Information Safe?!

•  They have a page on their website dedicated to helping customers feel safe. It explains all the safety precautions and procedures they take part in. !

•  Internal audit programs, safety compliance steps, VeriSigned Secured data encryption and more are all steps they take to make sure information is safe and secure. !

eBooks!•  They offer multiple eBooks to assist consumers in getting

out of debt and staying out of it. The books teach about improving your credit score, debt management, military transitions and more. !

•  All the eBooks are designed to help individuals improve their credit standing and get out of debt. !

•  Book titles include: !•  Credit Booster!•  Where Do I Go From Here? Military Transition Guide!•  Improve Your Credit Score!•  Building Credit After Divorce !

Military Money Education!

•  They devote a fair amount of resources to the education and financial training of military veterans and their families.!

•  InCharge has won multiple awards and mentions for their service to the military community including distinguishing comments from the Academy of Digital Arts, the Interactive Media Council, the American Council on Consumer Interests and more.!

Community Service!

•  Multiple financial literacy seminars and trainings are available for the community to participate in.!

•  The United States Department of Housing and Urban Development (HUD) has approved of them since 2009 to provide help to indebted individuals. Some of these services include: Home Buyer Education Workshops and Foreclosure Prevention Workshops.!

What are Some of the Negatives?!

•  The $50 upfront fee may be difficult for some individuals, especially considering customers are already in debt. However, this is close to the industry standard for debt consolidation companies.!

•  You can cancel without any extra cost, but they do not have a money-back guarantee in place at the time of this review.!

How Does BDC Feel About InCharge?!

•  We like them. Overall, InCharge seems to be a very capable company for servicing your debt relief needs. !

•  A bit clearer pricing on the site would be helpful, but that’s fairly normal for the industry. !

How You Can Learn More!

•  You can learn more about them at the following link: http://bestdebtcompanys.com/company/incharge-debt-solutions-review/ !

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