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Take Charge America | Nonprofit Credit CounselingDebt ManagementDebt Help Credit Counseling Do It Yourself Debt Management Debt Consolidation Debt Settlement Bankruptcy Credit Help Credit 101 Credit Counseling Credit Repair Housing Help Budget Tools About About TCA In the Community Newsroom Careers Blog Login MyTCA Login Online Assessment Contact Your Debt-Free Journey Starts Here Overwhelmed by Credit Card Debt? A debt management plan may be the right solution for you! Typical Benefits Include: Consolidated monthly payment Reduced interest rates Waived late and over-limit fees An end to collection calls 3-5 year debt repayment average Customizable payment date Free Online Debt Solution Get your finances back on track with a free , confidential credit counseling session to review your situation. You’ll receive a customized action plan that includes a personalized budget, credit report summary and debt relief options. You can start the process online 24/7 and save your progress as you go. Or connect with a certified counselor over the phone at 866-750-9633. * First Name: * Last Name: * Phone: * State: (Select) Alabama Alaska American Samoa Arkansas Armed Forces Americas Armed Forces Europe, Africa Armed Forces Pacific Arizona California Colorado Connecticut District of Columbia Federated States Of Micronesia Delaware Florida Georgia Guam Hawaii Idaho Iowa Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Marshall Islands Michigan Military State Missouri Minnesota Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico New York Nevada Ohio Oklahoma Oregon Palau Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington Wisconsin West Virginia Wyoming * Email: * Confirm Email: * Password: Your password must contain: At least 8 characters One uppercase letter One lowercase letter One number or special character No character repeated more than twice in a row * Confirm Password: I agree to the Privacy Policy and the TermsConditions for communications. Get My Debt Solution Need to log back in? Access Your Account In Their Words by Wayne Thai Nothing But Great Things to Say I wish I could assign 10 stars. This company did so much for me. They kept my head above water daily for 4+ years. I have nothing but great things to say about them. If you need help. I’m certain they can help. by Joan Braithwaite It Worked For Me I had credit card debt when I became unable to work and on social security it was hard. Take Change America helped me with a plan I could manage. It was what I needed, TCA is there for any questions and they did a great job. I’m very satisfied. Thanks by Kermit McCoy Details Are Quite Simple Details are quite simple changing my buying habits, paying my lowest bills as fast as possible without breaking my finances stability. Plus, keeping a positive flow in my different accounts. by Allegra C. We're Finally Recovering This place is forthright, helpful, and will accomplish what you need if you find yourself in more debt than you know how to handle. They work by negotiating lower APRs, thereby giving you the tool to get out of the financial hole without the cons of bankruptcy. by Wayne Thai Nothing But Great Things to Say I wish I could assign 10 stars. This company did so much for me. They kept my head above water daily for 4+ years. I have nothing but great things to say about them. If you need help. I’m certain they can help. by Joan Braithwaite It Worked For Me I had credit card debt when I became unable to work and on social security it was hard. Take Change America helped me with a plan I could manage. It was what I needed, TCA is there for any questions and they did a great job. I’m very satisfied. Thanks by Kermit McCoy Details Are Quite Simple Details are quite simple changing my buying habits, paying my lowest bills as fast as possible without breaking my finances stability. Plus, keeping a positive flow in my different accounts. by Allegra C. We're Finally Recovering This place is forthright, helpful, and will accomplish what you need if you find yourself in more debt than you know how to handle. They work by negotiating lower APRs, thereby giving you the tool to get out of the financial hole without the cons of bankruptcy. by Wayne Thai Nothing But Great Things to Say I wish I could assign 10 stars. This company did so much for me. They kept my head above water daily for 4+ years. I have nothing but great things to say about them. If you need help. I’m certain they can help. Next A Trustworthy Partner Since 1987, we have helped more than 2 million people nationwide pay off and manage more than $6 billion in debt. We can help you, too! Frequently Asked Questions About Debt Management Plans How do I know if a debt management plan is right for me? Completing credit counseling online or over the phone will help us determine if a debt management plan is the right solution for your circumstances. If we are able to work out a balanced budget that accommodates the plan and other monthly expenses, there’s an excellent chance a debt management plan will be your best debt relief option. Do I need to have good credit to qualify for a debt management plan? No, your credit score is not a factor in determining whether a debt management plan is right for you. How much does the program cost? Credit counseling sessions are always free. If you enroll in a debt management plan, your counselor will inform you of the applicable setup and monthly fee, which is determined by your state of residence. The fees will be included in your monthly debt management payment. Which debts can be enrolled in a debt management plan? You can enroll credit card debt and medical bills into a debt management plan. A debt management plan does not include secured debt, such as mortgages and auto loans, which are backed by collateral. Additionally, it does not include student loans, payday loans or IRS payments. If you are struggling to meet your mortgage payments, we offer foreclosure prevention and default counseling . How long does it take to complete the program? Every situation is unique. The length of the plan will depend on a number of factors, including total debt amount, income, accuracy of creditor balances, finance charges and any debt added to the program in the future. Most clients on debt management plans are able to pay off their enrolled debt in three to five years. You may also make extra payments at any time to help accelerate your payoff time and save on interest charges. Can I open new lines of credit while enrolled in a debt management plan? We recommend that clients enrolled in a debt management plan do not open new lines of credit until the current debt is paid off. Creditors may discontinue your plan benefits if you open new credit. Vehicle and housing loans are unique and may be necessary while you are enrolled in a debt management plan. We will provide lenders with your TCA payment history to assist with such loans upon your request. Services Credit Counseling Continue Counseling Session Debt Management Housing Counseling Bankruptcy Counseling Facebook - Opens in new indow Instagram - Opens in new indow Twitter - Opens in new indow LinkedIn - Opens in new indow YouTube - Opens in new indow Pinterest - Opens in new indow Get Financial Tips in Your Inbox Enter email address to receive our monthly Money Maximizer newsletter. Thank you for subscribing. Get Financial Tips Online Budget Tools Blog Contact Us Send Message View Addresses Credit Counseling: 866-528-0588 Monday – Friday 6 a.m. – 5 p.m. MST Debt Management: 800-823-7396 Monday – Friday 7 a.m. – 5 p.m. MST Housing Counseling: 866-987-2008 Monday – Friday 7 a.m. – 5 p.m. MST © 2021-2023 Take Charge America, Inc. All rights reserved. | 501 (c) (3) Nonprofit Financial Education. Take Charge America, Inc. is NOT A LOAN COMPANY. We do not lend...