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Elite Financial Services vs InCharge Debt Solutions

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Pros
  • Free debt analysis
  • Gave you access to your progress in real-time
Pros
  • A+ BBB rating
  • Affordable fees
  • Accredited by NFCC and FCAA
  • Many financial education resources
Cons
  • Were available in only 21 states
  • Pricing information not transparent
  • $10,000 minimum debt required
Cons
  • Long program duration
  • Limited information on costs
  • Limited physical presence outside Florida
  • No mobile app
Summary

Elite Financial Services, a debt relief company located in Beverly, Massachusetts, is no longer in operation. According to the Better Business Bureau and customer reviews on Yelp, the company has ceased its services, with an inactive and insecure website. Before their closure, Elite Financial Services provided debt settlement and consolidation solutions and aimed to help clients become debt-free within 12-36 months. The company was accredited by the International Association of Professional Debt Arbitrators and a member of the American Fair Credit Council. However, their services were only available in 21 states.

Summary

Since the founding of InCharge Debt Solutions in 1997, they have become a prominent nonprofit organization in the debt relief industry. Headquartered in Orlando, Florida, they are accredited by the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA). They provide a wide range of services, including debt management plans, credit counseling, and debt consolidation. They have assisted millions of clients in managing and reducing over $3 billion in debt, earning a strong reputation as industry experts. Their nationwide availability, coupled with their commitment to affordable and accessible debt relief solutions, sets them apart from competitors. For a detailed look at InCharge Debt Solutions' offerings, achievements, and customer feedback, dive deeper into our full review. 

Quick Stats
  • Credit Score Impact : May impact
  • Average Net Savings : Up to 45-60% of debt, before fees
  • BBB Rating : N/R
  • Fees : 15% to 25% of total enrolled debt
  • Timeframe : 12-36 months
  • Trustpilot Score : N/R
  • Customer Experience : Poor
Quick Stats
  • Credit Score Impact : Program may lower score temporarily
  • Average Net Savings : Undisclosed
  • BBB Rating : A+
  • Fees : Enrollment fee: $50 to $75, monthly fees: $32
  • Timeframe : 36-60 months
  • Money-Back Guarantee : False
  • Trustpilot Score : 4.8 out of 5
  • Customer Experience : Good
Selling Points
  • Multiple debt relief options were handled
  • AFCC member
Selling Points
  • Diverse debt relief options
  • No minimum debt requirement
  • Excellent debt relief record
  • Nationwide availability
Services Offered
  • Undisclosed
    Bankruptcy Counseling
  • Undisclosed
    Consolidation Loans
  • Credit Card Debt Relief
  • Credit Counseling
  • Debt Consolidation
  • Debt Counseling
  • Undisclosed
    Debt Management Plans
  • Debt Settlement
  • Undisclosed
    Loan Refinancing
Services Offered
  • Bankruptcy Counseling
  • Consolidation Loans
  • Credit Card Debt Relief
  • Credit Counseling
  • Debt Consolidation
  • Debt Counseling
  • Debt Management Plans
  • Debt Settlement
  • Loan Refinancing
Types of Debt Covered
  • Undisclosed
    Collection Accounts
  • Credit Card Debt
  • Undisclosed
    Medical Bills
  • Personal Loans
  • Private Student Loans
  • Undisclosed
    Professional Bills
  • Secured Debts
Types of Debt Covered
  • Collection Accounts
  • Credit Card Debt
  • Medical Bills
  • Personal Loans
  • Private Student Loans
  • Professional Bills
  • Secured Debts
Payment Options
  • Undisclosed
    Cash
  • Escrow/Savings Bank Account
  • Undisclosed
    Major Credit Cards
Payment Options
  • Cash
  • Escrow/Savings Bank Account
  • Major Credit Cards
Customer Support
  • Email
  • In Office
  • Undisclosed
    Live Chat
  • Undisclosed
    Mobile Application
  • Phone
  • Undisclosed
    Ticket
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket

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