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InCharge Debt Solutions vs National Debt Relief

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Pros
  • A+ BBB rating
  • Affordable fees
  • Accredited by NFCC and FCAA
  • Many financial education resources
Pros
  • No upfront fees
  • Lower minimum debt requirement
  • A+ BBB rating
Cons
  • Long program duration
  • Limited information on costs
  • Limited physical presence outside Florida
  • No mobile app
Cons
  • Additional fees not disclosed
  • Not available in all states
  • No mobile app
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. 

Summary

Founded in 2009 in New York, National Debt Relief has become a leading name in debt settlement, known for their compassionate approach and remarkable track record. They offer free consultations and work tirelessly to negotiate significant reductions in unsecured debts, having settled over $1 billion for more than 500,000 clients. National Debt Relief's commitment to excellence is reflected in their A+ rating from the Better Business Bureau (BBB) and accreditation by the American Association for Debt Resolution (AADR). Their website provides extensive resources and educational materials to help you make informed financial decisions. To know more, read the full review.

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
Quick Stats
  • Credit Score Impact : Program may lower score temporarily
  • Average Net Savings : 30%-50%
  • BBB Rating : A+
  • Fees : 15%-25% of total enrolled debt
  • Timeframe : 24-48 months
  • Money-Back Guarantee : False
  • Trustpilot Score : 4.7 out of 5
  • Customer Experience : Excellent
Selling Points
  • Diverse debt relief options
  • No minimum debt requirement
  • Excellent debt relief record
  • Nationwide availability
Selling Points
  • Lower fees range
  • Lower debt minimum requirement
  • Large amount of debt settled
  • Large network of creditor relationships
  • Provides “satisfaction guarantee”
Services Offered
  • Bankruptcy Counseling
  • Consolidation Loans
  • Credit Card Debt Relief
  • Credit Counseling
  • Debt Consolidation
  • Debt Counseling
  • Debt Management Plans
  • Debt Settlement
  • Loan Refinancing
Services Offered
  • Undisclosed
    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
  • Collection Accounts
  • Credit Card Debt
  • Medical Bills
  • Personal Loans
  • Private Student Loans
  • 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
  • Cash
  • Escrow/Savings Bank Account
  • Major Credit Cards
Payment Options
  • Cash
  • Escrow/Savings Bank Account
  • Major Credit Cards
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket

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