When you're buying a home, mortgage lenders don't look just at your income, assets, and the down payment you have.| InCharge Debt Solutions
Rent-to-own contracts allow people to rent a home with an option to buy before the contract expires. Learn about rent to own pros and cons and how it works.| InCharge Debt Solutions
Learn about the different kinds of mortgages including the difference between variable and fixed rate mortgages. Also learn the signs of predatory lending.| InCharge Debt Solutions
Free downloadable homeownership workbooks. Learn how to find, budget for, finance and close on a home. Strategies for becoming mortgage-worthy.| InCharge Debt Solutions
Online homebuyer education materials, workshops and classes that will help you become a smart homebuyer.| InCharge Debt Solutions
Unsure if you can use a credit card for your car payment? Get all the facts, pros & cons, and start making informed decisions.| InCharge Debt Solutions
Struggling with a car loan? Discover actionable steps on how to get out of a car loan and make the best financial decision. Start here now!| InCharge Debt Solutions
Our auto loan calculator uses downpayment, desired monthly payment, APR & loan term to help you understand how much you can afford for a new car.| InCharge Debt Solutions
Get the facts on the costs of adding a teenage driver to your auto insurance, premiums by age and how to save money with a teenage driver.| InCharge Debt Solutions
Debt consolidation is a sensible solution for consumers overwhelmed by credit card debt. It can be done with or without a loan. Consolidation cuts costs| InCharge Debt Solutions
The costs of owning a car can quickly add up. Learn how to budget for the costs of your car, and how to save on expenses like gas, maintenance, and more.| InCharge Debt Solutions
There are quite a few tips and tricks for lowering car insurance premiums. Learn why premiums increase, what impacts the cost and tips for lowering it.| InCharge Debt Solutions
Is your car payment too high to afford? Consider options like asking for lower or deferred payments, refinancing, trading in your vehicle, or selling it.| InCharge Debt Solutions
Can't pay your car insurance? Learn what drives insurance rates: your zip code and credit score. Also 5 tips on how to reduce your car insurance premiums.| InCharge Debt Solutions
Explore the differences between a security freeze & a fraud alert, their affect on your credit score & the situations in which you would need one.| InCharge Debt Solutions
Credit card fraud can have damaging effects on your finances. Protect yourself from credit scams like card skimming to keep your finances safe.| InCharge Debt Solutions
Debt Relief Solutions: Nonprofit Credit Counseling, Debt Management and Debt Consolidation. Helping Millions Become Debt Free Since 1997.| InCharge Debt Solutions
What happens if you only pay the minimum payments on your credit card? Learn about minimum payments and how they affect your credit & financial future.| InCharge Debt Solutions
Learn How Pay for Delete Works and Whether It Can Improve Your Credit Score. Discover the Pros, Cons, and Alternatives. Start Repairing Your Credit Today!| InCharge Debt Solutions
Learn simple steps you can take to start paying down your debt, such as making a budget, cutting excess spending and lowering your interest rate.| InCharge Debt Solutions
Debt management and debt settlement are popular forms of paying off debt. Learn the pros, cons and which option is best for your situation.| InCharge Debt Solutions
Compare debt management programs and debt consolidation loans, including pros and cons, how to qualify, & how they lower payments to help you choose.| InCharge Debt Solutions
InCharge Debt Solutions makes it easy to consolidate your debt online from home. Learn more about online debt consolidation to pay off credit card debt.| InCharge Debt Solutions
Securing a low-interest rate on your debt consolidation loan can save you thousands in interest. Learn how to get the lowest rate to help you pay off debt.| InCharge Debt Solutions
Debt consolidation programs can lower interest rates and monthly payments & simplify debt repayment. Find the best debt consolidation program for you.| InCharge Debt Solutions
There are a variety of free military debt relief and debt consolidation programs available to active-duty military members and veterans. Explore your options.| InCharge Debt Solutions
Uncover credit myths and truths that could impact your finances. Learn the facts, debunk common myths, and take control of your credit today.| InCharge Debt Solutions
Getting a debt consolidation loan with bad credit can be tricky. Learn about your lending options and other debt solutions to help you get out of debt.| InCharge Debt Solutions
Halting credit card payments has repercussions, such as potential fees, credit impacts, and collections. Discover what happens if you stop paying credit cards.| InCharge Debt Solutions
Unable to make your minimum card payment? Learn how to negotiate a lower minimum payment with your card issuer, and discover alternative options.| InCharge Debt Solutions
Can you pay a credit card with a credit card? Discover the methods, risks, and alternatives. Learn more and make informed decisions today!| InCharge Debt Solutions
Picking a budget app is a lot like picking a diet. They’ll ask you to track your expenses (count your calories) and record your income (exercise). Some will encourage you to cut certain things out of your budget (diet). And just like a diet, consistency and discipline are key.| InCharge Debt Solutions
The first thing you need to do to become a homeowner is to make a budget and start saving your downpayment. Budgeting tips for future homeowners.| InCharge Debt Solutions
How to Recognize Credit Repair & Credit Counseling Scams & How to Avoid Them. Beware of High Fees, Too Good to Be True Promises & Other Shady Practices.| InCharge Debt Solutions
Once upon a proverb, “One man’s trash is another man’s treasure” was just another way of saying, as 1960s hipsters did, “Diff’rent strokes for diff’rent| InCharge Debt Solutions
Excessive debt leads to denied security clearances. Free non profit credit counselors help you consolidate debt that puts security clearances at risk.| InCharge Debt Solutions
Learn how to get out of debt with poor credit. Debt relief options like debt consolidation, settlement, and credit counseling can help you become debt free.| InCharge Debt Solutions
Have you been contacted by a debt collector? Understand what a debt collector does, and the legal protection in place for consumers.| InCharge Debt Solutions
Navigate the Statute of Limitations on Debt Collection by State. Find your state's timeframe for debt legality. Begin your journey to financial clarity!| InCharge Debt Solutions
Sued for your credit card debt? Learn how to defend yourself in a credit card lawsuit, how to settle instead of going to court, & when to consult a lawyer.| InCharge Debt Solutions
Struggling with debt? Learn how to negotiate with creditors to reduce your balance and avoid collections. Get expert tips for DIY debt settlement.| InCharge Debt Solutions
The Fair Credit Reporting Act of 1970 is meant to protect you. Learn your rights related to privacy, your credit score and disputing errors on your report.| InCharge Debt Solutions
It's within your rights to get debt collectors to stop calling you, but is that a good idea? Learn how to stop calls and how to best manage your debt.| InCharge Debt Solutions
Elderly people are common targets for financial fraud and scams. Learn how to respond to debt collectors and about your protections under the law.| InCharge Debt Solutions
Wage garnishment can make it harder to get out of debt. Learn the laws around garnishing wages, and how you can protect yourself.| InCharge Debt Solutions
Tired of high phone bills? Discover how simple changes like monitoring your data, and eliminating unnecessary services can lead to significant savings.| InCharge Debt Solutions
A high debt-to-income ratio can be a barrier to debt consolidation but it is still possible. Learn more about your options for consolidation with a high DTI.| InCharge Debt Solutions
Money is tight – we get it. But thanks to the internet and technology, it’s easier than ever to make a few extra bucks from the comfort of your own home| InCharge Debt Solutions
Learn the difference between pre-qualification and pre-approval for a home loan, and how to apply for both before house hunting.| InCharge Debt Solutions
Learn how much house you can afford, how your debts & expenses affect you, and which types of mortgages are best for you and your financial situation.| InCharge Debt Solutions
When a lender reviews your loan application, they'll look at the following factors to determine if you are mortgage-worthy: Income Debt Credit Employment| InCharge Debt Solutions
Missing a mortgage payment can create stress. Understand the foreclosure process and how you can effectively deal with avoiding it.| InCharge Debt Solutions
Where to go to find out if you qualify for downpayment assistance from HUD, the VA, Rural Housing Service or your state and local government.| InCharge Debt Solutions
Learn how to raise your credit score by 100 points with proven strategies. Find out how long it takes and the factors that impact your score.| InCharge Debt Solutions
Credit card debt consolidation can help you lower interest and monthly payments, but everyone’s situation is unique. Find out your best option.| InCharge Debt Solutions
Home equity loans/HELOC and debt consolidation can be used to get rid of credit card debt. Learn the financial pros and cons for both methods.| InCharge Debt Solutions
Understanding the Pre-file Credit Counseling Course Requirement, What to Do Before Filing Bankruptcy and What Not To Do Before Filing| InCharge Debt Solutions
Avoid bankruptcy with practical alternatives. Learn about debt consolidation, credit counseling, and more. Take control of your finances now!| InCharge Debt Solutions
Are you asking, “How do I fix my credit to buy a house”? Learn about credit repair to help achieve your goal of buying a house.| InCharge Debt Solutions
Learn about pre-file & pre-discharge debtor education courses, requirement exceptions, & how to file your certificate of completion with the court.| InCharge Debt Solutions
Learn what debt collectors can & can’t do when attempting to collect debt, how to react if you are contacted & the rights you have as a consumer.| InCharge Debt Solutions
Find out what chapter 11 bankruptcy is, its pros & cons, how it differs from chapter 7 bankruptcy & how you can qualify to file.| InCharge Debt Solutions
Free Personal Finance Materials For At Home, In The Classroom, And Community Workshops. Learn How To Budget, Save, Pay Down Debt And Set Financial Goals.| InCharge Debt Solutions
Learn about the risks and responsibilities of co-signing a loan. Understand how it can impact your credit and financial health before making a commitment.| InCharge Debt Solutions
The debt avalanche is one of the most popular strategies for reducing debt. Learn to pay off debts with the debt avalanche & its unique advantages.| InCharge Debt Solutions
Building a good credit score at 18 can set you up for financial success for the rest of your life. Learn about credit & our 7 tips to start building credit.| InCharge Debt Solutions
Households spend a significant amount on utilities each year. Utilize these tips to lower your electricity, gas and water bills.| InCharge Debt Solutions
Is your credit score setting you up for financial success? Learn about good credit scores, benefits & how scores are determined.| InCharge Debt Solutions
Credit builder loans can help you build your credit history. Learn more about how they work, where to get one, and other options to build credit.| InCharge Debt Solutions
Everyone knows the pitch. You’ve spent half an hour trying on clothes off the rack at a shopping mall department store, found three shirts that look| InCharge Debt Solutions
A credit score of 700+ allows you a lot of financial freedom. Learn the benefits of a good credit score & how to improve yours.| InCharge Debt Solutions
Learn ways to rebuild your credit score after chapter 7 or chapter 13 bankruptcy such as a secured credit card and tips to help you stay on track.| InCharge Debt Solutions
Learn why convenience checks aren't convenience: big fees and higher interest rates.| InCharge Debt Solutions
Learn about financial businesses commonly found on or around military bases that you should avoid to protect yourself from military predatory lending.| InCharge Debt Solutions
Title loans require borrowers to use an asset, typically a car, as collateral to secure a loan. Learn how these loans work & the financial dangers they pose.| InCharge Debt Solutions
Not paying bills can have serious consequences. Learn how to get help with paying your bills and how to minimize the damage of late bills.| InCharge Debt Solutions
Eviction moratoriums are expiring, and if you're facing eviction due to COVID-19, there are programs available to help.| InCharge Debt Solutions
Investing in your 401(k) is an important part of retirement preparedness. Learn how much you should be investing and how much you'll need for retirement.| InCharge Debt Solutions
Struggling with hospital bills? Explore medical debt consolidation options to regain financial health. Start now and simplify your payments!| InCharge Debt Solutions
If you’re considering cashing out your 401k while still employed, you need to know the effects on your retirement. Learn if it’s right for you!| InCharge Debt Solutions
How to reduce the interest rates on your credit cards, including balance transfer to a lower rate card, credit consolidation and debt management.| InCharge Debt Solutions
Discover how many balance transfers you can do! Learn the benefits, limitations, and tips for managing multiple transfers. Start optimizing your debt today!| InCharge Debt Solutions
Learn how to refinance credit card debt to get a lower interest rate or more affordable payments & if refinancing credit card debt is worth it.| InCharge Debt Solutions
Find 8 ways to pay off high interest credit card debt from InCharge. Some tips include reducing spending & interest rates, change to balance transfer & more.| InCharge Debt Solutions
Learn about emergency funds, including how much to save, ways to save, and reasons you need to start an emergency fund.| InCharge Debt Solutions
While payday loans are an option for urgent cash flow, they may not be the best choice. Learn about the alternatives & make the right choice for you.| InCharge Debt Solutions
Money saving tips, frugal recipes, get-out-of-debt success stories and more. Read the InCharge blog for all the latest in money savings and debt relief.| InCharge Debt Solutions
Learn about financial assistance options for teachers such as PSLF, grants, and school supply discounts to help you free up money to repay debts.| InCharge Debt Solutions
It may be a few years away, but getting organized now will help you when it comes time to start repaying your student loans. Make sure your loan companies| InCharge Debt Solutions
Student loan forgiveness programs for fire fighters. How to qualify and save money on your student loans.| InCharge Debt Solutions
Learn which departments qualify for student debt relief through Public Service Loan Forgiveness & the steps you take to get your student debt forgiven.| InCharge Debt Solutions
Learn how 501c3 nonprofit workers student loan forgiveness through PSLF, eligibility requirements for PSLF, & other options for student loan debt help.| InCharge Debt Solutions
Dear Liz: I co-signed some private student loans for my youngest child. She graduated two years ago with about $80,000 in student debt, including federal| InCharge Debt Solutions
Benefits of public service student loan forgiveness for police officers and how to qualify.| InCharge Debt Solutions
With the cost of higher education skyrocketing, students across the country are struggling to find ways to make college life more affordable. Here are| InCharge Debt Solutions
Learn about Federal or Private, Income Based Repayment and Alternate Repayment Plans. Am I eligible for a loan deferment? Am I Eligible for Forbearance?| InCharge Debt Solutions
Learn how a permanent disability that impairs your ability to work and make money can help you discharge your student loan debt.| InCharge Debt Solutions
If there’s an upside to the economic trauma brought about by the coronavirus pandemic, it’s the number and variety of financial relief options available to consumers.| InCharge Debt Solutions
Debt is complicated. There are many options when it comes to debt relief, and what is best for you based on who you are and where you are on life's journey.| InCharge Debt Solutions
Read Reviews from InCharge Clients on Credit Counseling, and the Debt Management Program. Success Stories from Consumers Who Have Paid Off Their Debt.| InCharge Debt Solutions