InCharge Debt Solutions Unclaimed

InCharge's credit counseling empowers clients to regain financial control through personalized budgeting and debt management support.

Streamlines debt repayment by consolidating payments and securing lower interest rates.

Gain knowledge to navigate bankruptcy proceedings effectively and meet legal requirements.

Prepare for homeownership with comprehensive education and resources through HomeTrek.

Empowers individuals through comprehensive housing counseling and support services to promote homeownership and prevent foreclosure.

Prepare for successful homeownership through tailored housing counseling services.

Receive expert guidance to prevent foreclosure and maintain home ownership.

Gain essential knowledge and confidence for homeownership through free workshops.

Empowers individuals with essential financial skills through comprehensive education programs.

Offers financial resources specifically designed for military members and their families.

Enhance employee financial health through certified counseling and resources.

Offers tailored financial support for military families facing unique financial challenges.

Individual-focused counseling that assesses finances, creates budgets, explains debt-relief options, and provides ongoing confidential guidance to improve financial capability.

Coordinated creditor repayment and debt management plans that consolidate payments, lower interest or monthly obligations, and support credit protection during repayment.

Court- and trustee-required pre-filing and post-filing education and counseling designed to satisfy legal requirements and prepare individuals for financial recovery after bankruptcy.

HUD-approved housing counseling, homebuyer education, pre-purchase guidance, and foreclosure prevention services that prepare buyers and help homeowners retain or obtain housing.

Employer- and service member–focused financial wellness programs delivering co-branded counseling, targeted education, benefits optimization, and specialized protections for military families.

Credit Counseling

Credit counseling from InCharge Debt Solutions helps individuals assess finances, understand debt relief options, create a budget, and plan repayment. Delivered by certified counselors through online or telephone sessions, it includes access to budgeting tools and educational resources to support financial literacy.

• Build A Personalized Budget
  Receive tailored guidance in creating a budget that aligns with your financial situation, helping you track and control your spending effectively.
• Access Complimentary Sessions
  Benefit from free counseling sessions to assess your financial health and explore viable options without any financial obligation.
• Engage in Confidential Counseling
  Feel safe and secure with professional counseling services that ensure your financial information remains confidential.
• Choose Your Counseling Mode
  Access flexibility with credit counseling sessions available either online or via telephone, making it convenient to fit your schedule.
• Coordinate Your Debt Payments
  Work with counselors to create a structured repayment plan that consolidates your payments and minimizes interest rates.
• Utilize Educational Materials
  Get access to a variety of online resources, including worksheets and budgeting tools to enhance your financial literacy and management skills.

Debt Management

A debt management program coordinating with creditors to establish an affordable repayment plan and simplify monthly payments. The service supports budgeting and debt relief planning with certified counselors.

• Establish Affordable Payments
  A structured repayment timeline allows you to make consolidated monthly payments while reducing your interest rates.
• Attend Free Counseling Sessions
  Participate in free counseling sessions to clarify your financial position and craft a personalized debt management strategy.
• Safeguard Your Credit Rating
  Manage debts responsibly to protect your credit rating while working towards financial relief.
• Improve Budget Management
  Get tailored budgeting assistance to effectively manage your finances and enhance your repayment capacity.

Bankruptcy Education

Online bankruptcy education courses designed to prepare individuals for bankruptcy proceedings and satisfy court requirements.

• Complete Courses Online
  Learn at your own pace with accessible online modules available 24/7.
• Understand Financial Situation
  Receive professional guidance to explore options and implications of bankruptcy.
• Prepare for a Fresh Financial Start
  Focus on budgeting, money management, and strategies to avoid future financial pitfalls.

Homebuyer Education (HomeTrek)

HUD-approved online homebuyer education course called HomeTrek, designed to prepare buyers for homeownership. It covers budgeting for homeownership, understanding credit scores, improving debt-to-income ratio, and the home purchase process, with a completion certificate.

• Receive Completion Certificate
  This certificate validates your completion of the course, making you eligible for various assistance programs.
• Access HUD-Approved Education
  Engage with a course recognized by HUD, ensuring quality education resources for potential homeowners.
• Learn Essential Homebuying Skills
  Ensure you're well-informed on key financial aspects and the overall homebuying journey.
• Get Personalized Counseling
  Receive tailored advice from qualified professionals to help navigate your home buying experience.

HUD-Approved Housing Counseling

HUD-approved housing counseling to assist homebuyers, homeowners, and those facing foreclosure. Services include pre-purchase counseling, foreclosure prevention, and guidance on mortgage readiness.

• Receive Tailored Housing Support
  Our counselors deliver personalized guidance tailored to your unique housing needs, ensuring you are well-informed in your homeownership journey.
• Prevent Foreclosure
  Our team will help navigate financial challenges and explore options to keep you in your home, prioritizing your stability.
• Improve Your Mortgage Readiness
  Work with certified counselors to evaluate your financial situation and readiness for mortgage applications and long-term home investment.
• Access Convenient Online Learning
  Complete an interactive online course that provides critical information and a certificate to demonstrate your preparedness for homeownership.

Pre-Purchase Housing Counseling

Pre-purchase housing counseling to assess readiness, review budget, and prepare for homeownership. Clients receive personalized assistance from certified counselors who help determine mortgage readiness, analyze credit, and connect with real estate professionals.

• Evaluate Your Budget
  Receive a comprehensive analysis of your financial situation to determine your ability to purchase a home.
• Attend Workshops
  Participate in informational sessions to enhance understanding of homeownership responsibilities.
• Analyze Your Credit
  Understand how your credit profile affects mortgage options and improve your score before applying.
• Connect With Professionals
  Get referrals to trusted professionals who can guide you through home purchasing.

Foreclosure Prevention Counseling

Foreclosure prevention counseling offers personalized support to help homeowners explore their options and avoid losing their homes. Our certified housing counselors assist individuals facing financial difficulties due to overdue mortgage payments, providing strategies to navigate this stressful situation while focusing on maintaining home ownership.

• Explore Options To Avoid Foreclosure
  Our counselors provide tailored advice based on each homeowner's unique financial situation, exploring proactive steps to mitigate the risks of foreclosure.
• Access Credible Counseling Services
  Our HUD certification assures clients of our commitment to offering reliable and compliant foreclosure prevention support tailored to their needs.
• Receive Free Confidential Assistance
  Homeowners can seek help without the worry of incurring costs, ensuring access to vital support in a private setting.
• Review Financial Circumstances
  Our counselors meticulously evaluate your income, expenses, and mortgage situation to suggest the most suitable solutions to prevent foreclosure.

Homebuyer Education Workshops

Free monthly Homebuyer Education Workshops to guide buyers through the home buying process.

• Attend Free Workshops
  Participants learn key aspects of home buying, including affordability, financing options, and the home purchase process.
• Get Expert Advice
  Counselors provide tailored advice based on attendees' financial situations and home buying goals.
• Receive Completion Certificate
  Certificates can be utilized for down payment assistance programs, enhancing access to homeownership resources.

Financial Literacy Education Programs

InCharge Education Foundation provides award-winning personal finance education programs, e-learning courses, ebooks, and workbooks to promote financial literacy.

• Access Comprehensive Resources
  Participants can access a variety of online courses and ebooks which cover essential topics in personal finance, enabling them to improve their financial understanding and skills.
• Access Military-Specific Resources
  Tailored programs for military families help address unique financial concerns, including transitioning to civilian life and managing deployments.
• Engage in Interactive Learning
  These resources provide hands-on learning experiences and structured workshops that reinforce key financial concepts, ensuring participants gain practical skills they can apply in real-life situations.
• Benefit from Targeted Education
  InCharge offers customized financial literacy education tailored to the specific needs of diverse populations, including military families, K-12 students, and adults.
• Participate in Local Events
  Free monthly workshops provide local communities with insights and skills needed to manage finances, addressing topics like budgeting, debt management, and saving.

Military Money

Military Money provides debt relief resources and financial education for service members and their families, addressing military-specific financial challenges.

• Access Tailored Financial Support
  Receive specialized advice and resources that consider the unique financial situations faced by military families, such as frequent relocations and deployments.
• Obtain Expert Guidance
  Professional counsel to help manage budgets, debts, and long-term financial stability, ensuring that military families receive the support they need to thrive.
• Enhance Financial Knowledge
  Access a variety of learning materials focused on improving financial literacy, including budgeting tips, debt management, and understanding credit.
• Maximize Military Benefits
  Educational content addressing opportunities such as the GI Bill, SCRA, and other financial benefits available to service members.

Workplace Financial Wellness Programs

Partnerships with employers to provide certified financial and housing counseling services to employees as part of workplace financial wellness programs.

• Improve Financial Health
  Provide employees access to certified financial and housing counseling services, fostering a financially literate and secure workforce.
• Personalized Support
  Deliver individualized counseling sessions focusing on the specific financial situations and goals of employees.
• Educate Employees
  Offer tailored workshops and free materials to help employees understand personal finance, budgeting, and debt management.
• Build Community Engagement
  Encourage community financial initiatives that enhance employee engagement and promote financial literacy at a broader level.

Military Money Program

Dedicated military-focused financial literacy and debt relief resources for service members and families. The program offers tailored support, including budgeting tools, debt management plans, and information on rights under the Servicemembers Civil Relief Act.

• Empower Financial Literacy
  Provides comprehensive resources that enhance financial knowledge, aiding military families in navigating their unique financial circumstances.
• Simplify Debt Payoff
  Combines various debts into a single monthly payment, making financial management easier for military service members.
• Offer Legal Safeguards
  Ensures service members enjoy reduced financial burdens through legal protections, making essential financial stability attainable.