Incharge Debt Solutions

Programs: Credit counseling and education - this program assists consumers in managing their personal finances through the provision of solutions-based credit counseling, budget planning and financial educational materials. Solutions-based counseling is designed to find the right solution for each debt distressed consumer. Nearly 50,000 financially distressed individuals received credit counseling and financial educational materials during 2014. Financial educational materials assist consumers in acquiring and improving money management skills and managing credit. Credit counseling services are offered in person for individuals residing in the central florida area, and nationally over the telephone and through the internet.

debt management - ids offers debt management programs to assist consumers in paying off their unsecured debts and to better manage their financial obligations in the future. Ids processes debt payments, attempts to secure a reduction in interest rates, and attempts to establish affordable monthly payments on the clients' behalf. Clients are provided initial and continuing educational assistance through financial educational materials and guidance in financial matters as determined by their needs.

bankruptcy counseling and debtor education - bankruptcy legislation enacted by congress in 2005 requires individuals filing for bankruptcy to complete a bankruptcy credit counseling session prior to filing, and an instructional course in personal financial management (debtor education) prior to receiving a bankruptcy discharge. To offer convenient, on-demand access to this required content, ids provides interactive web-based and telephonic bankruptcy credit counseling and debtor education programs. Both programs issue certificates to individuals who complete each program as required by the title 11 bankruptcy code. During 2014, over 52,000 certificates were issued to bankruptcy petitioners evidencing their successful completion of the bankruptcy credit counseling session and the personal financial management course.