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InCharge Debt Solutions

If you’re in debt, it can feel like you’ll never finish paying off your balances. Sometimes, you have to make difficult decisions about which bill to pay. But becoming debt free is possible. And we’ll help you get there.

What is InCharge Debt Solutions?

Addition Financial has partnered with InCharge Debt Solutions, a not-for-profit organization, to bring free financial counseling services to our members.

Counseling services include:

Budget & Credit Counseling

Free budget and credit counseling helps you save money on your monthly expenses. Find out where you’re overspending and how to find areas to reduce your spending so there’s enough left over to pay down your debt and save. Our certified counselors will also evaluate your finances and discuss your options to help lower your interest rates and monthly payment.

  • Helps you find major savings
  • See where you are overspending
  • Review your credit report
  • Review your debt situation
  • Online or over-the-phone

Housing Counseling

Our certified counselors will work with you and advise you on what you can afford, explain mortgage terms, the importance of home inspections and what to expect during closing. Our in-person and online workshops will help you learn the steps in the home buying process.

  • Determine when to purchase a home
  • Qualify for down payment assistance
  • HUD-approved
  • Work one-on-one with our counselors
  • Help you become mortgage ready
  • In-person home buyer education workshops

Debt Management Programs (DMP)

InCharge debt management programs help reduce your monthly payment and consolidate your bills into one convenient payment.

  • Consolidate unsecured payments
  • Reduce your interest rates
  • Pay off your debt faster
  • End collection calls

Credit Report Education

Your credit report is more than just a score. It contains what your creditors say about you and about the way the way you handle money. That is why it makes sense to review your credit report at least once a year and then take steps to ensure accuracy. Your credit report determines your indebtedness and your bill paying habits which affects your overall credit score.

  • Learn what factors drive your credit score
  • Learn how to improve your credit score
  • Learn how to get control of your credit
  • Create an action plan

Student Loan Counseling

We help student loan borrowers assess their student loan situation, understand their loans, and the payment relief options available to them from the US Department of Education.

  • Determine if you qualify for lower monthly payments
  • Determine if you qualify for loan forgiveness
  • Determine if you qualify for income-based repayment
  • Available online or over the phone

Bankruptcy Counseling & Education

InCharge provides Pre-File and Pre-Discharge bankruptcy education to help those that can’t afford to pay their debts and need a fresh start. Our certified counselors will help you determine if this is an option.

  • EOUST Approved
  • Leading agency for advocates
  • Pre-File Credit Counseling
  • Pre-Discharge Debtor Education

Get Started

Addition Financial members can get started today by calling InCharge Debt Solutions toll-free number at (800) 403-0032.