Is InCharge Debt Solutions a Good Idea to Go With? – Jess

“Dear Steve,

Trying to consolidate credit cards need advice on a consolidation company.

My husband and I are trying to consolidate his credit cards to lessen the interest rates and hopefully pay off the credit cards a lot sooner then by paying each credit card company individually. We are looking into In Charge Debt Solutions ( ) and wondering if that is a good one to go with or if there is another company anyone has used or personally recommends. all help is appreciated!! Thanks in advance.


Dear Jess,

InCharge Debt Solutions has been around for a while and if you decided to go with them for your credit counseling or debt management plan program I’m sure they could collect your payment and distribute it to your credits as efficiently as anyone.

Really the underlying issue here is if a credit counseling program is even the right strategy based on your situation. There are ways to pay off cards sooner without closing them in a credit counseling program if just a more efficient payoff is what you are looking for.

I’d suggest you first read How to Get Out of Debt. The Honest and Unvarnished Truth and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.

Then use the free How to Get Out of Debt Calculator to review your options.

Once you’ve identified a company you want to work with, then follow my step-by-step guide on what you should look for and expect from a good debt relief company.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
Damon Day - Pro Debt Coach

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Steve Rhode

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