Reviews
Customer Review Ratings
Average of 12 Customer Reviews
Want to share your experience?
Leave a ReviewReview Details
Review fromJason B
Date: 02/26/2025
5 starsJason B
Date: 02/26/2025
This experience has been very positive and straight forward. I would definitely recommend.
InCharge Debt Solutions
Date: 03/04/2025
Thank you for taking the time to leave us a review! We're so glad to hear that your experience was smooth and straightforward. It's always our goal to make the process as simple and helpful as possible. We truly appreciate your recommendation and are grateful to have been part of your journey!Best Regards,InCharge Debt SolutionsReview fromBob C
Date: 02/20/2025
4 starsBob C
Date: 02/20/2025
Takes a while, but you get out of debt. They take care not everything for you.InCharge Debt Solutions
Date: 02/24/2025
Thank you for taking the time to leave us a review and share your experience! We're incredibly proud of the progress you've made in paying off your debt through the program - you're almost there! We also appreciate the opportunity to speak with you further and gain a better understanding of your feedback. If you ever have any questions or need additional support, don't hesitate to reach out. We're happy to help!Best,InCharge Debt SolutionsReview fromLauren C
Date: 12/09/2024
5 starsLauren C
Date: 12/09/2024
I used InCharge to manage my multiple credit cards with high balances that I simply could not make progress with. I finished my plan and fully paid off my debt late 2023. I am extremely happy with their service and have since recommended a few friends in similar situations. I will continue to recommend InCharge for debt management services!InCharge Debt Solutions
Date: 12/10/2024
Thank you for your kind review and for trusting InCharge to help you achieve your financial goals! We're thrilled to hear that you have successfully paid off your debt and we appreciate you suggesting our organization as a recommended solution to your friends. We are proud to see what you have accomplished and will always be here if you have any future questions!Sincerely,InCharge Debt SolutionsReview fromDolores R
Date: 12/01/2024
5 starsDolores R
Date: 12/01/2024
Wonderful people to deal with. They got me out of debt with a monthly payment I could afford.InCharge Debt Solutions
Date: 12/03/2024
Thank you for leaving us a review! We are so happy to hear that you had a positive experience with us and that we could help you get out of debt with a manageable payment plan. Your kind words mean so much to us!If you ever need further assistance or have any questions, please feel free to contact us. Sincerely,InCharge Debt SolutionsReview fromTina S
Date: 09/30/2024
2 starsTina S
Date: 09/30/2024
In charge wants you to pay upfront plus a $50 fee before they even talk to your creditors and then I get an email saying for my credit cards are not gonna be on there because they want the payments ahead of time now I worked with other debit companies and they have always sent the paperwork to the credit card companies first to have them accept it ************ tells you what to pay and expect you to pay right then and there before the credits except the payment and I was told by ****** who I talked to that saying *********** which Im having an issue with once their payment ahead of time before they accept it And then they get on the phone when you let them know that youre not paying right away and what day you can pay and make you feel like youre not doing your job when theyre the one that is not doing there correctly I feel all they want is money before they even get a hold of these creditors or fax of anything and I had to email them ***** times to get them to send the creditors the paperwork over and then I have to call to find out if it went threw and then to come to find out that they took all four of my ***********s off because theyre saying *********** is not gonna work with them unless I pay first so Im not very happy with this company at all InCharge it told me that the rules changed all the time OK so why dont you let your customers know ahead of time what rules are changed cause all your time that I email or call its all about money and I dont know what Im paying for and come to find out by email that only two of my credit cards are on there and that the last 4 ***********s are not on there cause they want their payment first thanks for telling me and I had to call youInCharge Debt Solutions
Date: 10/03/2024
Dear ****,Thank you for taking the time to share your experience. Were sorry to hear that youve encountered some challenges, and we sincerely apologize for any frustration youve felt during this time. We always strive to provide the best service possible, and we appreciate your feedback, as it helps us improve. As a courtesy, we did waive the $50.00 setup fee in this case to help address some of your concerns. Regarding the *********** accounts, the process of holding proposals until a payment is scheduled is in place to ensure that everything is properly set up before your accounts are officially enrolled in the program. This step helps to confirm that the program will proceed smoothly and that all creditors are aligned with the repayment ********* love the opportunity to connect with you directly to better understand your concerns and to assist you further. Know that an attempt was made to personally speak with you, but we were only able to reach your voicemail. Please contact me at your earliest convenience so that we can help resolve any remaining issues.Thank you again for your review and for allowing us to be a part of your financial ************ regards,****** ********* InCharge Debt SolutionsReview fromBarbara H
Date: 04/18/2024
5 starsBarbara H
Date: 04/18/2024
This company is great . I recommend them to anyone having trouble getting caught up on bills.InCharge Debt Solutions
Date: 04/22/2024
*******, congratulations with your success on the debt management program. Your feedback in invaluable to us and we greatly appreciate you expressing your satisfaction of our service and recommending it to others. InCharge is very proud of you and wish you many more future successes.Review fromKEVIN A
Date: 04/16/2024
1 starKEVIN A
Date: 04/16/2024
INCHARGE FLAT OUT LIED TO ME TO GET ME TO JOIN.THIS BUSINESS IS A FRAUD.I SPECIFICALLY HIRED THEM TO LOWER THE INTEREST RATE OON MY CAPITOL ONE CREDIT CARDS.I TOLD THEM 4 TIMES THAT CAPITOL ONE REFUSED TO LOWER MY RATES,THE PUSHY SALESMAN "***" KEPT TELLING ME"THEY HAVE TO LOWER IT" "THEY HAVE NO CHOICE"I ENROLLED BOTH OF MY CREDIT CARDS AND A FEW DAYS LATE WITHOUT ANY ONE EVEN CONTACTING ME,CAPITOL ONE SIMPLY REJECTED IN CHARGES PROGRAM TO LOWER MY INTEREST RATE.INCHARGE WITHOUT MY PERMISSION KEPT MY SECOND CAPITOL ONE CREDIT CARD ENROLLED,WHICH I ALLREADY HAD REDUCED BY CAPITOL ONE.I DID NOT NEED INCHARGE TO DO THAT,I DID THAT ONE ON MY OWN FOR FREE,WITHOUT THE HELP OF ANY ONE.INCHARGE ARE LIARS,FRAUDS,WORSE THAN A USED CAR LOT.EVERYTHING THEY SAY IS A COMPLETE LIE.THEY DO NOT DO ANYTHING YOU CANT DO YOURSELF,SIMPLY BY PICKING UP A PHONE AND CALLING YOUR CREDIT CARD COMPANY.INCHARGE DID NOT HAVE MY PERMISSION TO LEAVE MY SECOND CREDIT CARD IN THERE PROGRAM.THE DEAL WAS ALL OR NOTHING.I ASKED THEM 5 OR 6 TIMES IF THEY COULD LOWER THE INTEREST ON BOTH CARDS AND THEY KEPT SAYING YES EVERY TIME.I ALSO TOLD THEM TO CALL ME BEFORE NEGOTIATING ANYTHING WITHOUT MY PERMISSION,AND THAT IF ANYTHING CHANGES TO NOT DO ANYTHING WITHOUT MY PERMISSION.I DID NOT EVEN WANT TO CLOSE THE SECOND CARD,IT ONLY HAD A $1200 BALANCE.I ALREADY NEGOTIATED THAT CARDS INTEREST RATE DOWN ON MY OWN.DO NOT DO BUSINESS WITH THESE FRAUDS.THEY WILL END UP MAKING YOUR CREDIT WORSE THAN IT IS NOW. THANKS INCHARGE,YOU MADE MY SITUATION WORSE.YOU ARE LIARS,YOU ARE WORSE THAN TELEMARKETERS OR USED CAR SALESMAN. DO NOT UNDER ANY CIRCUMSTANCE TRUST THESE PEOPLE WITH YOUR INFORMATION OR YOUR CREDIT...THEY ARE CLASSIC LIARS.SCUM OF THE ******InCharge Debt Solutions
Date: 04/29/2024
Dear **********************, We are sorry to have received this feedback from you regarding your account. We appreciate you allowing us to speak with you to address your concern. Thank You for entrusting us to continue to assist you in meeting your financial goal. InCharge always strives to provide the best customer service and will cheer you on every step of the way through your financial journey.Review fromDUSTIN M
Date: 11/28/2023
5 starsDUSTIN M
Date: 11/28/2023
11/28/2023 I was a client back in 2021 on a Debt Management Program, I appreciate your agency for paying most of my debt off and restoring my credit history I’m being very responsible with my credit rating history as a account owner If people ask me about your agency I’ll highly recommend your agency Incharge Debt Solutions DMP Program Former Client I Appreciate Your Agency, DUSTIN ****** JRInCharge Debt Solutions
Date: 11/30/2023
Hello Dustin, thank you for leaving us a review about your experience with our service and we are honored to hear about your achievements ever since! Do not hesitate to contact us should you have any additional questions. Sincerely -InCharge Debt SolutionsReview fromNicholas B
Date: 07/26/2023
2 starsNicholas B
Date: 07/26/2023
I've been with InCharge Debt Solutions since July 2020, entrusting them with managing 4 credit cards under a 49-month program. All was well until credit card companies began flagging missed payments due to a surprise account closure by InCharge 36 months into the 49 months agreement. Not only did this lead to unpaid accounts and late fees, but also a likely blow to my credit score. InCharge’s response? A mere two phone calls and one letter to an outdated address within a single week. Not a single email, no follow-up communication, and absolutely no opportunity for me to correct the upcoming situation or even be informed of the closure. Their approach reflects a startling neglect for due diligence and an absolute disregard for my financial health. It is a haunting prospect to think that I could have remained oblivious to InCharge's terminated services for months had my credit card companies not alerted me. It's distressing to witness a company, responsible for managing debt affecting credit scores, halt services without ensuring thorough customer communication. Being an IT Support professional, I can attest to the standard practice of multiple outreach attempts across diverse platforms before closing a ticket. Even for minor issues, our protocol involves leaving a voicemail, sending an email, a text message, and an instant message, all over a period of time to account for potential absences. It's startling to observe that InCharge failed to meet this elementary standard when handling something as critical as my financial future. In summary, my experience with InCharge Debt Solutions has become profoundly unsatisfactory. Their lack of effective communication, sudden account closure, and apathy towards customer trust and financial security is deeply concerning. I strongly advise potential customers to consider these shortcomings before entrusting InCharge with their financial stability.InCharge Debt Solutions
Date: 08/03/2023
Thank you for giving us the opportunity to speak with you over the phone on 8/1/2023 and discuss what had transpired on your account. More importantly, we thank you for allowing us to be of service to you, as you move closer to achieving your financial dreams. However, we are sorry to have received this feedback because it is important to us that you achieve your financial goal. Our records show that on 4/18/23 and 5/18/23, which are respectively 60 days and 30 days before the Debt Management Program (DMP) closed, letters were mailed to you explaining that your agreement must be renewed and requested that you fill out the required documentation. On 5/22/23, the letter mailed in April was returned by the Post Office indicating that the mail was undeliverable. Following the undeliverable mail, one of our representatives called and left voice messages on 6/9/23 and 6/13/23 requesting you to contact us. We did not receive any callback from you which resulted in the closure of the DMP on 7/26/23. We do not see that the representative attempted to contact you through email and we will share this opportunity with the relevant department as feedback. Additionally, we would like to stress the importance of keeping your mailing address updated to be kept informed through all communication channels. We are hopeful that our response brings clarity to what occurred. Should you have any questions or would like to discuss anything further, do not hesitate to contact us. Sincerely, InCharge Debt SolutionsReview fromDominic S
Date: 07/20/2023
1 starDominic S
Date: 07/20/2023
If I could give 0 stars I would. I have much to say and limited characters so let me jump right in. They told me over the phone they will try to negotiate lower rates for me in my payments due to my current work situation. They over the recorded phone call told me they would lock or freeze accounts until they are paid off and then they would unlock them after the debts were paid off to be used. Instead, they closed all my accounts and I cannot reopen my accounts. I lost all my cards and their limits that were built up from having good standing credit over the years until an incident at work which hurt me financially (I recovered now less than a year later and am doing much much better financially). I attempted contact with them multiple times and they didn't respond, and then when i continued to attempt contact it just went to a dialtone immediately after dialing as if my number was blocked or black listed. They have done terrible things to my accounts and history on it I don't recommend this company to anyone. All they do is try to manage which account gets your money and when it gets your money. This is easily done by yourself, you don't need them for anything, you all are smart enough to manage your accounts, call your credit card companies if you struggle and they will help you and consult you on recommendations. Do anything but use this company. I made my first 213 payment, they put 43 to my discover and then on the 1st of the next month made a 1 dollar payment to discover again. With that 213 they only made 1 23 dollar payment to my capital one account. Where did the rest of the money go? they did want a 75 dollar start up charge, sure, they said there wasn't a monthly charge just a 1 time fee of 75 and it would be separate from the payments of 213. So even factoring in a 75 dollar charge.. I'm confused to where this money went. They probably took it for all I know. I am collecting data from companies to seek legal action. FRAUD COMPANY; DON'T USE!!!!!InCharge Debt Solutions
Date: 07/27/2023
InCharge’s Mission is to help consumers achieve financial balance, moving them closer to their dreams and we are sorry to hear that we did not meet this expectation for you. An attempt was made to speak with you directly on 7/26/23 and we could only leave you a voice message. Our records show that during the counseling session you completed in March 2023, our credit counselor provided you a walkthrough on how our service works for you as a client. This included giving you an explanation that your enrolled creditors will close your accounts to establish the benefits of a lower payment and interest rates. Making a commitment to financial discipline is key. When you’re enrolled in a debt management program, creditors require you to close your credit cards so as not to incur additional debt. The information that was shared with you during your counseling session can be found in your client agreement. With regards to the payment you made through our program, our records do show that the funds were disbursed to all your enrolled creditors as of 3/28/23. However, there was one creditor that did not clear their payment we sent them. As a result, an $89.00 refund was mailed to you on 6/20/23. That payment was returned to us by the Post Office with a forwarding address on 7/14/23, therefore we will process the refund to the forwarding address. Lastly, our records do not show inbound contact being made by the telephone number we have for you on file. However, you may have attempted to call us after business hours which would result in the reason you could not reach our Client Services department. Please know that our Client Services department is available at (888) 734-6229 Monday-Friday from 8:00am to 6:00pm EST. We are hopeful that this response addresses your concerns. Additionally, we will be emailing you separately a copy of your client agreement, the refund letter and a full accounting statement showing all payments you have made through InCharge. Should you have any additional questions, do not hesitate to contact us directly. Sincerely, InCharge Debt Solutions
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.