Quick Facts
Full Review
InCharge Debt Solutions was founded in 1997 in Orlando, Florida, and they've built one of the strongest digital presences among nonprofit credit counseling agencies. They're a 501(c)(3) nonprofit, NFCC member, and BBB A+ rated since 2002.
How Their DMP Works
Standard DMP model: free counseling session, then if a plan makes sense, enrollment fees of $50 to $75 and monthly fees averaging about $32. Fees vary by state and income level, and InCharge may reduce or waive them for clients facing genuine financial hardship. They negotiate lower interest rates with your creditors and you make one monthly payment through InCharge.
What Customers Say
InCharge claims a 96% customer satisfaction rate, and the Trustpilot profile supports it with a 4.8-star average. But the BBB tells a slightly different story: 3.5 stars out of 5 despite the A+ rating. That gap is worth paying attention to. The A+ rating reflects BBB's assessment of business practices and complaint response, not customer reviews directly. Some of the lower BBB reviews mention difficulty with customer support and communication gaps during the program.
Positive reviews consistently mention knowledgeable, empathetic staff and smooth enrollment. The divide seems to come after enrollment, where some clients feel the ongoing support isn't as strong as the initial experience.
Who Should Consider InCharge
InCharge works well if you're comfortable with a digitally-driven experience and want a national nonprofit with established creditor relationships. Just set clear expectations about post-enrollment communication during your initial consultation.
Pros and Cons
Pros
- BBB A+ rated nonprofit with NFCC membership
- Strong 4.8-star Trustpilot rating
- 96% reported customer satisfaction rate
- Fees may be reduced or waived for financial hardship
- National reach with digital-first approach
Cons
- BBB customer reviews average 3.5 stars despite A+ rating
- Some reports of weaker support after enrollment vs. during intake
- Setup fees of $50-$75 are on the higher end for nonprofits
- DMP takes 3-5 years
Where to Read More
Read reviews on: Trustpilot, BBB, ConsumerAffairs