A nonprofit organization based out of Orlando, Florida, InCharge Debt Solutions has been offering some of the absolute best debt consolidation and credit counseling services since the company was first established in 1997.
Though their brick and mortar location is in Florida, the company operates on the national level, providing their top-quality debt relief help to those in need no matter where they are located. In addition to rectifying the current debt relief needs of their customers, InCharge Debt Solutions also places great importance on education. They strive to increase the financial literacy and money management skills of everyone they work with. Read on to find out more about InCharge Debt Solution’s services, pricing, usability, customer service, and affiliations.
Services (10 out of 10)
At its core, InCharge Debt Solutions is a credit counseling service. All of their services actively reflect this fact.
Their primary mission is to educate you on money and debt management while also improving your financial literacy. They know that debt is unfortunately a long-term problem rather than a one-off deal for most people. What this means is that most people that are in debt continue struggling with it for years to come because of continued bad choices. InCharge attempts to change this by providing innumerable educational resources. They place specific emphasis on dealing with financial stress in a smart and efficient manner and do so in a jargon-free way (breaking down industry vocabulary as needed).
At the same time that they are getting you up to speed on financial management, the company is also talking to your creditors on your behalf. They negotiate with them to secure a better deal for their clients. Much of the time this involves lowering the interest rates for your monthly payments or consolidating all of your monthly bills into a single one. This can dramatically lower the overall amount that you will have to pay during the repayment process.
Pricing (9 out of 10)
InCharge Debt Solutions offers very reasonable prices for their many services. They are as affordable as debt management companies come.
The specific price that you’ll pay for their help depends on your particular circumstances and the solution that you are seeking. $49 is the average monthly price for their debt consolidation service.
The best aspect of InCharge’s pricing setup is that they don’t require an upfront payment or any one-time fees. You get everything that you pay for. From the moment that you sign up, they work hard to fix your problems and find a stellar solution for you.
When you first begin your investigation into InCharge Debt Solutions, you will also notice that they offer free quotes and estimates. They do this so that you can make absolutely sure that their service is the one that you are after. Only when they start working on and making progress on your debt problem do you have to start making your monthly payments to them.
Usability (9.5 out of 10)
Perhaps the very best thing about using InCharge Debt Solutions to handle your overwhelming debt problem is that they are so easy to use.
The initial sign-up and quoting process is very simple and straightforward. It takes no time at all. After that, the company is on top of your problems in a flash, answering your questions as needed and leaving you with much less to worry about. Furthermore, all of the educational materials that they provide are complication-free and are the furthest things from confusing.
The company’s website is also incredibly easy to navigate. It is very user friendly and takes no time adjusting to. Before you sign up with them, you will notice a widget on their main webpage. This widget provides a space for you to enter how much money you owe, how far behind on your monthly payments you are, and in what area of the country that you live. It then makes a quick calculation that lets you know if the company is right for you and how they propose to go about your problem. It is a handy feature that more companies need to consider offering.
Customer Service (10 out of 10)
Customer service is the name of the game as far as InCharge Debt Solutions is concerned. From the very get-go, they are extremely easy to work with.
After you have used the handy widget feature discussed above, you are presented with several options for getting in contact with a live representative. The two main ways are via live chat through the website or over the phone. Their debt relief professionals are very friendly, polite, and knowledgeable.
InCharge Debt Solutions is also an avid user of social media. This makes it even easier to connect with the company. In fact, you can even set your account’s specifications up so that you receive notifications and help through your social media accounts or email.
Affiliations (8 out of 10)
There are a lot of companies in the debt relief industry and InCharge Debt Solutions is by and large one of the most popular and most trusted. It receives some of the very best reviews of any company and has an A+ rating with the Better Business Bureau.
The company is also fully accredited with several bureaus and organizations. It is a member of an industry watchdog group that helps weed out scam debt management companies.
InCharge Debt Solutions is a solid debt relief company in every category.
They are primarily focused on credit counseling and debt consolidation but provide other services as needed as well. Their pricing system is one of the most affordable and easiest to understand, their services are specific and straightforward, and their customer service is second to none.
If you need debt relief help, then you need to consider InCharge. They will help you forge a long-term solution to staying out of debt.