InCharge Debt Solutions
Overview
Nonprofit credit-counseling and debt-management provider offering free counseling, debt-management plans, financial education, bankruptcy counseling, and related debt-relief services. The organization states that it has operated since 1997, while another current official page states since 1996; the founding year is disputed. [1][2]
Tax Status & Ownership
| Entity type | Nonprofit, 501(c)(3) |
| Legal name | In Charge Debt Solutions, Inc. [1] |
| EIN | 33-0770440 [3] |
| Headquarters | 5750 Major Blvd, Suite 300, Orlando, FL 32819 [2] |
Public Financials — 2024, fiscal year ending December 2024 [cite:3]
| Total revenue | $14,313,613 |
| Total expenses | 15,787,525 |
| Net assets, year end | 6,107,726 |
| Program service revenue | 62% |
| Contributions and grants | 38% |
2024 Form 990 data reports $8,863,338 in program-service revenue, equal to 61.9% of total revenue, and $5,389,522 in contributions. Program Service Revenue % is a general reliance-on-fees proxy only; it is not the IRC §501(q) fair-share cap. [3]
Published Fee Schedule
| Structure | flat |
| One-time setup fee | $0–$99 depending on state; stated average $52. Michigan disclosure states an initial fee of $50. [1][2] |
| Monthly fee | $10–$75 depending on state; stated average $34. [1][2] |
| Directory summary | Nonprofit debt management plan. Average $52 setup and $34/month, with state ranges of $0–$99 setup and $10–$75 monthly. |
Fees apply to debt-management-plan enrollment, not the initial counseling session. The organization says fees support counseling, account maintenance, creditor communications, program administration, and financial education. [1]
Coverage
Large discrepancy: broad nationwide service language on the official homepage contrasts with the narrower list of expressly identified state licenses/registrations in the official disclosures. The sources do not establish a verified count of all states in which ordinary debt-management services are licensed or registered. [1][2][4]
Accreditation & Licensing
BBB profile shows the organization as accredited and A+ rated. InCharge states that it is NFCC accredited, but no independent accreditation date was located. [1][5]
Regulatory & Complaint History
| CFPB complaints | |
| BBB complaints closed, 3 yr | 3 |
| Figures as of | September 18, 2026 |
BBB reports 14 complaints in the previous three years and 3 complaints closed in the previous 12 months, as displayed on the reviewed BBB page. These are BBB complaint records, not adjudicated legal findings. CFPB complaint count was not located in the reviewed source set. [5]
Cited Sources
- InCharge Debt Solutions official website — InCharge Debt Solutions (September 14, 2026) — First-party provider website.
- How Much Does a Debt Management Program Cost? — InCharge Debt Solutions (September 14, 2026) — Primary provider-published source for nonprofit status, service model, fee ranges, average fees, and funding rationale; marketing statements are not independently verified.
- InCharge Debt Solutions official website and State Disclosures — InCharge Debt Solutions (September 14, 2026) — Primary provider-published source for assumed names, Orlando address, state licenses/registrations, prior Profina name, and state-specific fee disclosures.
- Incharge Financial Solutions — Nonprofit Explorer and Form 990 data — ProPublica Nonprofit Explorer; IRS Form 990 data (September 14, 2026) — IRS-derived Form 990 data; primary source for EIN, 2024 financial figures, revenue composition, assets, and named executive compensation.
- Credit Counseling Providers — U.S. Bankruptcy Court for the Northern District of California / federal bankruptcy-provider listing (September 14, 2026) — Government court-provider listing confirming the organization as an approved bankruptcy credit-counseling provider; does not establish nationwide ordinary debt-management licensing.
- InCharge Debt Solutions BBB profile and complaints — Better Business Bureau (September 14, 2026) — Independent BBB record for accreditation, A+ rating, and complaint totals as displayed on the reviewed page.