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But you don’t need a bank loan to consolidate debts.The debt management program at In Charge Debt Solutions will consolidate your bills, reduce your monthly payments and interest rates and you don’t need a loan.You don’t need a loan to eliminate credit card debt.

She graduated with a small balance on two cards: 00.In Charge credit counselors work with your creditors and get you a single, predictable monthly payment that you can afford.You choose the day of the month that works best for you based on your personal budget and payroll schedule.This means no more confusion over what needs to be paid when: your debts are all paid with one payment.We can help you become debt free, but how do you stay that way?If you find yourself deep in debt, the options for digging yourself out can seem overwhelming.It is easy to fall prey to debt solutions that can put you in an even worse position.That can be effective, unless you have a less-than-perfect payment history and low credit score, which means you may not be approved for a debt consolidation loan or bill consolidation loan, as it is sometimes called.In either case, the loan you get will carry a high interest rate.We’ll teach, motivate and inspire you to stay debt free.Our financial literacy program will teach you how to save money, build an emergency fund and set achievable financial goals.


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