If you’re struggling with debt, you’re not alone. According to the Federal Reserve, total household debt in the United States was $14.56 trillion in the fourth quarter of 2020. If you’re one of the many Americans struggling to manage your debt, the InCharge Debt Management Program can help. Here’s how to enroll.
Step 1: Determine if InCharge is Right for You
The InCharge Debt Management Program is designed for people with unsecured debt, which means debt not tied to collateral, such as credit card debt, medical debt, or personal loans. If you have secured debt, such as a mortgage or car loan, InCharge may be unable to help you. Additionally, you need more debt to qualify for the program. InCharge only accepts people with $100,000 in unsecured debt.
Step 2: Contact InCharge
If InCharge can help you, the next step is to contact them. Call them at 1-877-251-1882 or complete their online form to request a free debt analysis. During this analysis, an InCharge credit counselor will review your debt and finances and recommend an action plan.
Step 3: Attend a Counseling Session
If InCharge recommends their program, the next step is to attend a counseling session. This session can be done over the phone or in person. During the session, the counselor will review your debt and finances in more detail and provide you with information on how the InCharge Debt Management Program works.
Step 4: Sign up for the Program
If you decide to enroll in the InCharge Debt Management Program, the next step is to sign up. To enroll, you must provide InCharge with basic information about yourself and your debt. You’ll also need to provide them with authorization to contact your creditors on your behalf.
Step 5: Make Your Monthly Payment
Once enrolled in the InCharge Debt Management Program, you’ll make a monthly payment to InCharge. InCharge will then use that payment to pay your creditors. This can help simplify your finances and make tracking your debt more manageable.
Step 6: Stick to the Plan
Finally, it’s essential to stick to the plan. The InCharge Debt Management Program is designed to help you pay off your debt over time, but it will only work if you follow through. Make sure you make your monthly payments on time and follow any other recommendations provided by your counselor.
The InCharge Debt Management Program can help you get out of debt faster and at a lower cost than other debt-relief options like debt settlement or bankruptcy. With the program, you’ll receive personalized support from a credit counselor who will work with you to create a budget, negotiate with your creditors for lower interest rates, and set up a repayment plan.
One of the most significant benefits of the InCharge program is that you’ll only have to make one monthly payment. This can help simplify your finances and make it easier to manage your debt. InCharge will distribute your income to creditors on your behalf, so you won’t have to worry about keeping track of multiple monthly payments.
Another benefit of the InCharge program is that it can help you avoid late fees and penalties. By making your payments on time, you’ll avoid the high costs that can add up quickly and make it harder to pay off your debt.
It’s important to note that the InCharge Debt Management Program takes time and effort. It’s designed to help you pay off your debt over time, typically within three to five years. But if you’re committed to sticking to the program and making your payments on time, you’ll see progress and eventually become debt-free.
In addition to the Debt Management Program, InCharge offers resources to help you manage your debt, including credit counseling, debt consolidation loans, and bankruptcy counseling. They also provide free educational resources on their website to help you learn more about managing your finances and getting out of debt.
The InCharge Debt Management Program can be an excellent option for people struggling with unsecured debt. By working with a credit counselor and sticking to a repayment plan, you can get back on track financially and become debt-free. If you’re interested in the program, contact InCharge today to schedule a free debt analysis and get started on your path to financial freedom.