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InCharge Debt Solutions-Consumer feedback and complaints against them


InCharge Debt Solutions Inc. is a well-known credit counseling organization offering debt management services and spreading financial literacy through various educational initiatives. They are said to be a 501(c) (3) non-profit organization and a member of the Association of Independent Consumer Credit Counseling Agencies. They are a BBB accredited business. To know whether InCharge Debt Solutions is a good company, and what are the complaints against them, go through the topics given below:


Is InCharge Debt Solutions a good company?

There are a many a consumers who claim that InCharge is a good company and they've benefited from the company's service. Many of them have expressed their positive feedback about this company in the DebtCC forums. Below are some of the InCharge Debt Solutions reviews shared by these consumers:

  • The company delivers results: Customers claim that unlike other scam debt relief companies, this company offers effective services and delivers results. One consumer says she had to quit her job when she became disabled and was having difficulty paying her creditors. She enrolled in a debt management program with InCharge and was pleased with the way the company handled her case. Find out more.
  • They help reduce monthly payments: The company works with creditors on their client's behalf and often succeeds in lowering interest rates on their bills. One customer said he had $15k in debt and the interest rates were unmanageable, but that InCharge was able to lower his interest rates under 10%. This helped the customer a lot in lowering his monthly bill payments. Read more.
  • They don't charge high fees: Many people ask "Is InCharge Debt Solutions really a free service?" While the company claims to be a non-profit organization, several consumers have said that the company charges an optional monthly donation fee. One customer states that he couldn't afford the monthly donation fee of $15, so he talked to the company representatives and had the fee changed to $5 a month Find out more information.
  • The company is honest: Many consumers claim that the company is very honest and sincere, and the way they work is very transparent. One customer claims that the company representative she talked to clearly stated that they wouldn't be able to help her, given the financial situation she was in. The customer says, had the company been a scam they could easily have gotten her enrolled in a program and taken her money. Here are the details.

What are the InCharge Debt Solutions complaints?

There are some consumers who are not satisfied with the company and have certain complaints against them:

  • One customer complains that though the company settled one of his credit cards, they failed to settle his second card. He says that as a result, his credit scores were badly affected. Learn more.
  • Another customer complains that InCharge could not help him with his credit card bills. He says the company failed to lower his monthly payments and charged him $50 per month in fees. A year later, he found little change in his credit balances and the interest rates also went up. So, the plan did not help him at all. Read more.
Posts: 3
Credits: 949
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In Charge Debt Solutions Scam:
In Charge Debt Solutions complaints, incharge.org. I would like to hear some feedback from anyone who has used this company or anyone who has information/background on this company. I see positive reviews online and no unresloved complaints.
I have over $25,000 in debt and have had my hours cut at work and can no longer afford my minimums. My accounts are all current and I have a FICO score of over 700 so debt consolidation/settlement is a huge adjustment for me....
Any thoughts?




phoenix

Posts: 1436
Credits: 27372.078822293

Sub: #1 BBB In Charge Debt Solutions complaints
Sun, 10/19/2008 - 22:16

In Charge Debt Solutions Scam
I have found the following In Charge Debt Solutions complaints in the BBB site: -


It doesn't look very good to me.

In addition I have also found the following page in our forum, which you may be helpful to you: -
Stay far away from Incharge debt solutions




Unregistered

Sub: #2 Debt Management Companies
Thu, 11/06/2008 - 06:54

As a personal experience, I recommend contacting an agency like Money Management. This is a non-profit organization. They only charge a small set up fee and no monthly fees like many debt mananagement companies out there. Money Management is part of Consumer credit counseling (CCC). They are really good.




Unregistered

Sub: #3 Is InCharge Debt Solutions scam? - No way!
Wed, 11/12/2008 - 10:45

Most of the InCharge Debt Solutions reviews I've heard of are positive. I personally know people that have used InCharge and know some people that actually work for the company. They are local here in Orlando... I heard that they have over 80,000 clients that they deal with and 18 complaints over a 3yr period is nothing... In Charge Debt Solutions complaints, see them in BBB.
I did check out their website and they are also sponsored by the Department of Defense because they provide education to the military as well. I did not find any CCC company that came even close to being sponsored like that...
I would give them a call, because I heard that they are completely an honest and great company. That's hard to find with all those scam companies out there now!
Hope that helps...




Unregistered

Sub: #4 In Charge Debt Solutions complaints, no way
Wed, 11/12/2008 - 16:06

They have been around for awhile and it works for me. I haven't herad of any In Charge Debt Solutions complaints




mobile0311

Posts: 1817
Credits: 10456.75

Sub: #5 No In Charge Debt Solutions solicitation please
Wed, 11/12/2008 - 17:10

Sullman , this site doesn't allows solicitations. You have already tried to pitch this horrible company on another topic. Debt Zero ..aka debt0enrollment.com has an F rating with the BBB. Look at BBB for In Charge Debt Solutions complaints.

Scammed ? File complaints at these links
FBI
FTC
State Attorney Generals
TASC




Unregistered

Sub: #6 In Charge Debt Solutions complaints - anyone can complain
Tue, 12/09/2008 - 08:10

They are a GREAT company. Keep in mind anyone can file a complaint for ANYTHING. That includes people who want their bills to just disappear without taking any responsibility.

Call them and see for yourself. The are 100% non-profit.




mobile0311

Posts: 1817
Credits: 10456.75

Sub: #7 InCharge Solutions is not non profit
Tue, 12/09/2008 - 09:11

Sorry buddy they are not non-profit. There is no such thing as a debt settlement company with a 501(c)3 non-profit license.

Scammed ? File complaints at these links
FBI
FTC
State Attorney Generals
TASC




Unregistered

Sub: #8 In Charge Debt Solutions complaints and many more Cos.
Tue, 12/09/2008 - 10:08

:idea: If anything don't go with a money management or consumer credit counseling agency. FYI - it appears similar to a chapter 13 bankruptcy. It's virtually the same thing (lowering interest, placing funds into a trust, them disbursing your funds, etc.) without the "legal status". Also, CCCS was created by credit card companies that wanted you to pay back as much as possible. Why go with a company that is created and backed by the people who charge you in the first place? And don't look at "non-profit" companies, either. Another FYI: The credit card company "donates" a good chunk of change to these guys.

In Charge Debt Solutions complaints - just be careful. No matter what solution you choose, there will be a negative credit impact (with the exception of making your payments on time - the severity of the impact depends on the length of time it takes for you to get out of debt. Debt settlement is the quickest and cheapest route. CCCS takes around 5 - 7 years (and the payment is higher) and it takes around 36 months or so. Please take it from me - I did CCCS in the past and I'm currently doing settlement because I couldn't afford the payments anymore. It saved me about 100 dollars a month and I will be out approximately 1 year and 3 months sooner than projected with CCCS.

If you decide to go with a settlement company, go with someone who doesn't house your funds in a third party account. Look at In Charge Debt Solutions complaints. Make sure you keep your funds in an account of your choice. Also, make sure they don't charge you upfront and that they don't charge you a monthly service fee. A good company will divide your fee into some sort of schedule - like where it is a part of your monthly payment so that you can afford it. Make sure that they are credible and have some sort of certification (BTW - BBB is not a good source...after doing my homework about BBB memberships, I found that a company can run a fast food business and then open a debt settlement company and NOT need to get a new membership with the BBB. Anything you need to know, you can find out from BBB without the company having a membership. Crazy, huh?) Check out IAPDA or USOBA credentials.

Check out your options, as well. Incharge is a CCCS company. Have a look at In Charge Debt Solutions complaints. As mentioned earlier, I'm in a settlement plan currently with RAM Financial Services (I live in Phoenix and they're local). I have 17,000 in bills and they will pay for credit repair at the end - another added bonus. I am also enrolled into their Debt To Prosperity Power plan, which is financial "life coaching", so I can learn to finally manage money by changing my habits. Another company I considered doing business with is Rise Above debt relief. They are very well known and would be another excellent choice in the settlement world. With any company, make sure they aren't trying to sign you up after speaking with you for five minutes - they know nothing about your situation and can't possibly know if they can help you.

Just remember that credit can be rebuilt, so it shouldn't come at the cost of your sanity. Good luck!




Unregistered

Sub: #9 anyone know about In Charge Debt Solutions complaints?
Tue, 12/09/2008 - 10:39

i have 14 k in cc bills. they will charge me 2100 for their service, and reduce my bills to 6300, payments of 175 per month for 48 months




enlightened
Posts: 71
Credits: 1089

Sub: #10 In Charge Debt Solutions
Tue, 12/09/2008 - 20:38

dr k, I will ask you to shop around and talk to other companies and take their quates. Search wherther you can get a better deal. Best of luck.




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