InCharge Debt Solutions (incharge.org) has a 4.2 out of 5 rating on OK.one, based on 60 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 75% of reviews are 4 stars or higher and 10% are 1 star; The business has replied to 91% of negative reviews; 39 of them were added in the last 12 months. Last updated 2026-08-10.
What people say
K
Kit · 2 reviews · Experienced 2025-06-29 ·
★★★★★
My debt is still going up
I have been paying Incharge monthly, but my credit card debt is not going down and I continue to get high interest charges on my account. I want my debt to go down, not up.
Reply from InCharge Debt Solutions2025-07-07
Hello Kit,
We are sorry to hear that your experience hasn't met your expectations, and we would like to the opportunity to look into this further. Please email us at [email protected] with your full name and client ID, while also referencing your review so we can better assist you. We are committed to supporting you on your journey to becoming debt-free and would welcome the chance to review your situation with you.
Sincerely,
InCharge Debt Solutions
M
Maria Vella · 1 review · Experienced 2025-06-20 ·
★★★★★
Useless
Useless. I didn’t feel great about myself needing to reach out to a service like this. Then I felt judged and worthless all in an 8 minute call.
Reply from InCharge Debt Solutions2025-06-23
Hello Maria,
We are sorry to hear your experience left you feeling this way. Our goal is to provide supportive, judgement-free guidance and aim to offer realistic solutions while treating every person with care and respect at the same time. If you're open to reconnecting, please email us at [email protected]. We would welcome the opportunity to speak with you and see how we might be able to help further.
Sincerely,
InCharge Debt Solutions
Thank you for taking the time to leave us your feedback. We're sorry to hear that you're having concerns about your monthly payments. Please know that we're committed to providing the highest level of support and always strive to make your experience a positive one.
We did attempt to contact you recently and were unable to connect. If you have a moment, we would greatly appreciate the opportunity to speak with you. At your leisure, send us an email to [email protected] with your name and phone number while also referencing your recent review, so that we may speak with you about your experience. We look forward to hearing from you.
Sincerely,
InCharge Debt Solutions
Z
Zane · 2 reviews · Experienced 2024-07-01 ·
★★★★★
First time using their services
I've never used these services before but I got to a point that was more than needed due high interested in some credit cards I have. The lady I spoke to like 6 months ago explained everything so well she was so patient and nice with me with all the question I was having. My total debt is not that big around less than 4k but with low payments every month no more ton of interests I've paid $500 off at this time without affecting my current economic situation. They are great they are really attentive and they really want to help you!
Reply from InCharge Debt Solutions2025-04-04
Thank you so much Zane, for your thoughtful review and for sharing your experience! We're so glad to hear that our team was able to provide the clarity, patience, and support you needed. We're honored to be a part of your journey!
Sincerely,
InCharge Debt Solutions
R
Ryan · 1 review · Verified · Experienced 2025-02-13 ·
★★★★★
There is no easier way to get out of debt!
You made the process so easy and simple! I am getting debt free with one affordable monthly payment. I can't recommend this service enough!
Reply from InCharge Debt Solutions2025-03-01
We're so glad to hear that you found the process easy and simple and that our program has helped you work toward becoming debt-free. Your recommendation means a lot to us, and we're honored to have been part of your financial success! Wishing you continued progress and peace of mind along the way!
Sincerely,
InCharge Debt Solutions
E
Elizabeth · 1 review · Verified · Experienced 2025-02-13 ·
★★★★★
Saved my sanity
They arranged a sensible payment plan on my behalf and I pay less each month but because of the dramatic decrease in interest I'm paying my debt off much faster. They are wonderful to work with. The problems that feel insurmountable, they make quick work of
Reply from InCharge Debt Solutions2025-03-01
Thank you so much for your kind words and for sharing your experience! We're thrilled to hear that our program has made a meaningful difference for you and that you're seeing progress toward paying off your debt faster. Your feedback means the world to us, and we truly appreciate the opportunity to support you on your journey.
Best Regards,
InCharge Debt Solutions
I continue to receive letters from my credit card companies that I have in my loan with you threatening me with canceling because you are paying them past the due date. I would have never consolidated if I had known this stress would continue like this. This should be something you agree on with them at the time of settlement. They won't talk to me about it.
Reply from InCharge Debt Solutions2025-02-10
Hello Julie,
Thank you for sharing your feedback. We're sorry to hear about any concerns you've had regarding notices from your creditors. After researching your accounts, we confirmed that they are all current. We also attempted to reach you by phone to discuss this further, as there may be additional account details contributing to these notices. We'd appreciate the opportunity to go over this directly with you. Please contact us at the telephone number that we recently emailed to you. We look forward to speaking with you soon.
Sincerely,
InCharge Debt Solutions
I have been with ICDS for over a year. My experience has been good. They send me reminder emails every month before my payment is due. They let me know if there’s any issues. I go into my accounts every couple of months to make certain the amount still due is correct. It is nice to be able to just check your accounts without having to call the office.. All documents are on your account so you can view them at any time.
Reply from InCharge Debt Solutions2025-02-10
Thank you for your kind words and for taking the time to share your experience! We're so glad to hear that you've found our reminders and account access helpful. We truly appreciate having you as a valued client!
Sincerely,
InCharge Debt Solutions
We sincerely appreciate your thoughtful review! Your trust and commitment mean a lot to us, and we're grateful to have been a part of your journey. Thank you for choosing InCharge!
Sincerely,
InCharge Debt Solutions
My experience with InCharge has been nothing short of great from the beginning. I am closer to the end of my debt and wouldn't be without them. I would highly recommend them if you feel like you have no hope of getting out of debt, they can help.
Reply from InCharge Debt Solutions2025-02-10
Hi Pam,
We're so happy to hear that InCharge has been a value part of your journey to becoming debt-free. Your recommendation means a lot to us, and we truly appreciate that trust you've placed on our services. Thank you for your kind words and for sharing your experience!
Sincerely,
InCharge Debt Solutions
When I first reached out to the company and had many questions, the representative patiently answered them and did not try to push me into consolidating.
Pro: Some helpful information provided, breakdown of budget and deficits given, and respectful staff (i.e., Gil Hewitt).
Cons: Time-consuming process, which may not be able to lead to financial and negotiation support to reduce and eliminate debts. May not provide an optimal solution.
Called the company twice within 6 months and they could not help; either too early to help me out with the creditors (before falling behind payments) or too late for them to do anything (2-3 months behind).
Recommended that I reach out to creditors to settle debts or declare chapter 7 bankruptcy, which did not seem like an appropriate solution.
I am working with Accredited / Beyond Finance to negotiate settlement offers, but they charge a 25% fee. They were able to get one offer to stop a civil suit brought on by AMEX. At least Accredited is trying to help me instead of jumping to declare bankruptcy.
Reply from InCharge Debt Solutions2025-01-08
Thank you for taking the time to share your feedback with us. We sincerely apologize if your experience with us did not meet your expectations. Our goal is to provide every individual with tailored guidance and resources to help address their financial concerns. We have made an attempt to reach out to you directly to learn more about your experience and see if there is anything further we can do to assist. If you're open to discussing this further, please feel free to contact us at [email protected] at your convenience.
We truly appreciate your positive note about the helpful information and respect shown by our staff. We remain committed to being a resource for you.
Sincerely,
InCharge Debt Solutions
I lost everything when I was diagnosed with Cancer. I was treated with dignity and concern. Grateful to the agent that walked me through a situation that I had unduly struggle with for years.
I still remember the conversation I had with my consultant. She was kind, empathetic, and non-judgmental, explained the expectations of the program, and made me feel like I hadn't completely failed as an adult. I'm very happy with my experience.
InCharge Debt Solution is the best decision I could have made to help me get my debt uncontrolled. They have been a huge help for me from having bad credit to now good credit. They also have great customer service and support. I recommend anyone who has problems with debt to try them, they will help you get your debt back on track again.
