# InCharge Debt Solutions
*Also known as InCharge*

- Website: https://www.incharge.org
- Location: Orlando, FL, United States
- Agent profile: https://directory.haycion.ai/agents/incharge-org

> InCharge Debt Solutions is a nonprofit credit counseling organization providing debt management, counseling and education.

InCharge Debt Solutions is a 501(c)(3) nonprofit organization offering confidential and professional credit counseling, debt management services, bankruptcy education, housing counseling and educational initiatives promoting financial literacy since 1997.

**Mission:** Build resilient individuals, families and communities with innovative financial solutions and education.

## Products & Services

### [Credit Counseling](https://www.incharge.org/debt-relief/credit-counseling/)
*Service*
InCharge's credit counseling empowers clients to regain financial control through personalized budgeting and debt management support.

- **Budgeting and Money Management** — Build A Personalized Budget
- **Free Counseling Sessions** — Access Complimentary Sessions
- **Confidential Services** — Engage in Confidential Counseling
- **Counseling Delivery Options** — Choose Your Counseling Mode
- **Debt Management Plan Coordination** — Coordinate Your Debt Payments
- **Educational Resources and Tools** — Utilize Educational Materials

### [Debt Management](https://www.incharge.org/debt-relief/debt-management/)
*Service*
Streamlines debt repayment by consolidating payments and securing lower interest rates.

- **Structured Creditor-Coordinated Repayment Plan** — Establish Affordable Payments
- **Confidential Credit Counseling** — Attend Free Counseling Sessions
- **Credit Score Protection** — Safeguard Your Credit Rating
- **Budgeting Support** — Improve Budget Management

### [Bankruptcy Education](https://www.incharge.org/debt-relief/bankruptcy-education/)
*Service*
Gain knowledge to navigate bankruptcy proceedings effectively and meet legal requirements.

- **Online Bankruptcy Classes** — Complete Courses Online
- **Pre-Filing Credit Counseling** — Understand Financial Situation
- **Pre-Discharge Education Course** — Prepare for a Fresh Financial Start

### [Homebuyer Education (HomeTrek)](https://www.hometrek.org)
*Product*
Prepare for homeownership with comprehensive education and resources through HomeTrek.

- **Certificate of Completion** — Receive Completion Certificate
- **HUD-Approved HomeTrek Course** — Access HUD-Approved Education
- **Comprehensive Curriculum** — Learn Essential Homebuying Skills
- **Pre-Purchase Counseling** — Get Personalized Counseling

### [HUD-Approved Housing Counseling](https://www.incharge.org/housing/hud-approved-housing-counseling/)
*Service*
Empowers individuals through comprehensive housing counseling and support services to promote homeownership and prevent foreclosure.

- **Comprehensive Housing Guidance** — Receive Tailored Housing Support
- **Foreclosure Prevention Counseling** — Prevent Foreclosure
- **Mortgage Readiness Guidance** — Improve Your Mortgage Readiness
- **Online Homebuyer Education** — Access Convenient Online Learning

### [Pre-Purchase Housing Counseling](https://www.incharge.org/housing/pre-purchase-housing-counseling/)
*Service*
Prepare for successful homeownership through tailored housing counseling services.

- **Budget and Mortgage Readiness Review** — Evaluate Your Budget
- **Free Homebuyer Education Workshops** — Attend Workshops
- **Credit Report Analysis** — Analyze Your Credit
- **Access to Real Estate and Loan Professionals** — Connect With Professionals

### [Foreclosure Prevention Counseling](https://www.incharge.org/housing/foreclosure-prevention/)
*Service*
Receive expert guidance to prevent foreclosure and maintain home ownership.

- **Foreclosure Options Guidance** — Explore Options To Avoid Foreclosure
- **HUD-Approved Counseling** — Access Credible Counseling Services
- **Confidential Financial Counseling** — Receive Free Confidential Assistance
- **Comprehensive Situation Review** — Review Financial Circumstances

### [Homebuyer Education Workshops](https://www.incharge.org/housing/homebuyer-education/homebuyer-signup/)
*Service*
Gain essential knowledge and confidence for homeownership through free workshops.

- **Free Monthly Workshops** — Attend Free Workshops
- **Expert Guidance** — Get Expert Advice
- **Certification of Completion** — Receive Completion Certificate

### [Financial Literacy Education Programs](https://www.incharge.org/foundation/financial-education/)
*Service*
Empowers individuals with essential financial skills through comprehensive education programs.

- **Online Courses and Ebooks** — Access Comprehensive Resources
- **Specialized Programs for Military Families** — Access Military-Specific Resources
- **Workbooks and Workshops** — Engage in Interactive Learning
- **Customizable Learning Materials** — Benefit from Targeted Education
- **Community Workshops** — Participate in Local Events

### [Military Money](https://www.militarymoney.com/)
*Product*
Offers financial resources specifically designed for military members and their families.

- **Military-Focused Debt Relief Resources** — Access Tailored Financial Support
- **Free Credit Counseling** — Obtain Expert Guidance
- **Educational Resources** — Enhance Financial Knowledge
- **Military Benefits Awareness** — Maximize Military Benefits

### [Workplace Financial Wellness Programs](https://www.incharge.org/about-us/partner-with-us/workplace-financial-help-wellness-employee-programs/)
*Service*
Enhance employee financial health through certified counseling and resources.

- **Employee Financial Wellness** — Improve Financial Health
- **Tailored Counseling** — Personalized Support
- **Educational Resources** — Educate Employees
- **Community Outreach Programs** — Build Community Engagement

### [Military Money Program](https://www.incharge.org/military-money/)
*Service*
Offers tailored financial support for military families facing unique financial challenges.

- **Military-Focused Education** — Empower Financial Literacy
- **Debt Management Plans** — Simplify Debt Payoff
- **Specialized Legal Protections** — Offer Legal Safeguards

## Market Segments

- **Consumer credit counseling**: Individual-focused counseling that assesses finances, creates budgets, explains debt-relief options, and provides ongoing confidential guidance to improve financial capability.
- **Debt management programs**: Coordinated creditor repayment and debt management plans that consolidate payments, lower interest or monthly obligations, and support credit protection during repayment.
- **Bankruptcy education**: 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.
- **Housing counseling and homebuyer education**: HUD-approved housing counseling, homebuyer education, pre-purchase guidance, and foreclosure prevention services that prepare buyers and help homeowners retain or obtain housing.
- **Workplace and military financial wellness**: Employer- and service member–focused financial wellness programs delivering co-branded counseling, targeted education, benefits optimization, and specialized protections for military families.