InCharge Debt Solutions – Credit Counseling and Debt Management

Online Credit Counseling and Bankruptcy Services

• Online Credit Counseling
• Pre-Filing Bankruptcy Credit Counseling Course
• Pre-Discharge Debtor Education Course

Debt Solution Options

• Debt Management
• Mortgage Assistance
• Student Loan Assistance
• Money Management
• Lump Sum Payoff
• Debt Self-Help
• Home Equity Line of Credit (HELOC)
• Judgment Proof
• Bankruptcy

Your Money: A Guide to Managing Your Credit and Debt

Volume 1: Taking the First Steps

• The Road to Overcoming Debt
• Getting Out of Debt: Your Alternatives
• What Can Credit Counseling Do For Me?

Volume 2: Your Credit Report and Your Rights

• Your Credit Report: What You Need to Know
• Spotting Errors On Your Credit Report
• Your Credit Watchdogs: FCRA and FACTA
• The Fair Debt Collection Practices Act

Volume 3: Budgeting: How to Manage Your Money

• A Realistic Look at Creating - and Sticking to - a Budget
• Creating a Budget
• Getting the Help You Need: Certified Counselors Make the Difference
• Making Every Penny Count: How to Stretch Your Budget

Volume 4: Budgeting: You Can Gain Control of Your Financial Life

• Breaking The Debt Cycle: Avoiding Bad Spending Habits and Practices
• What's a Debt Management Program - And How Can it Help Me?
• Borrowing Against Your Home's Equity: What You Need To Know
• The Power of Budgeting: Why Setting A Monthly Spending Plan Is Key

Volume 5: Making Money, Saving Money

• Your Paycheck Potential: How to Get Ahead in The Workplace
• Spend Less - Save More
• Planning Ahead: The Power of Retirement Savings
• Don’t Be Scammed: How to Protect Your Money

Volume 6: Your Debt Free Life

• Life After Debt: Make it a Reality
• Action Plan: How to Stay Debt-Free
• "I Did It!" InCharge Clients Share Their Personal Triumphs
• You Can Do It

Interactive Credit and Debt Tools

• Calculate Your Debt Levels and Debt Stress

Financial Calculators

• College Savings Calculator
• Credit Card Debt Management Optimizer
• Debt Amount Calculator
• Debt Rolldown Calculator
• Home Budget Calculator
• Mortgage Payoff Calculator
• Pay Off Credit Cards Calculator
• Savings Calculator
• Social Security Calculator
• Spend Less Calculator

Consumer Education Articles

• The Big Car Decision: Buy or Lease?
• How to Save Money on Car Insurance
• Saving Money at the Grocery Store
• Privacy: Protect Yourself from Identity Theft
• The Future of Social Security

Home Ownership Articles

• Do You Qualify For A Mortgage Loan?
• Important Mortgage Terms You Need to Know
• The Pros and Cons of Home Ownership
• Single Parents Can Buy Houses Too!

Credit Counseling and Debt Management Programs

• How Credit Counseling Works
• Looking for Credit Card or Debt Consolidation Help?
• Credit Card Debt Help – Alternatives to Debt Consolidation
• How to Choose Credit Counseling Services That Are Right for You
• Life on a Debt Management Program
• Frequently Asked Questions About Debt Management Plans & Programs
• What Will My Credit Counseling Session Be Like?
• Ready to Tackle Credit Card Debt" Get Started with InCharge
• Resources to Help You Reduce Debt

Bankruptcy Articles

• The Bankruptcy Abuse Prevention & Consumer Protection Act
• About Bankruptcy

Debt Relief Articles

• Credit Counseling: Help With Credit Card Debt and Medical Bill Debt
• Credit Cards: The Cost Is Not Only the Balance
• Simple Strategies for Getting Out of Debt

Money Management Articles

• How to Calculate Your Debt-to-Income Ratio
• Why Is Saving So Important?
• Preparing a Budget
• How Much Is Enough For Retirement?
• Saving For College
• A Little Savings Goes a Long Way

InCharge Debt Solutions - Company Information

• General Info & Media Relations
• Press Releases
• Bios and Logos
• Free Workshops & Outreach Events
• InCharge Career Center
• InCharge Client Testimonials
• ID Theft Protection: Important Message
• How InCharge Safeguards Your Personal Information
• State Disclosures