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InCharge Debt Solutions vs New Era Debt Solutions

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Pros
  • A+ BBB rating
  • Affordable fees
  • Accredited by NFCC and FCAA
  • Many financial education resources
Pros
  • No upfront settlement fees
  • Free consultation
  • IAPDA-accredited & BBB-accredited with A+ rating
  • Transparent fee structure
  • Settles debt in as little as 28 months
Cons
  • Long program duration
  • Limited information on costs
  • Limited physical presence outside Florida
  • No mobile app
Cons
  • No guarantee of settlement
  • Not available in all states
  • Solutions limited to debt settlement
  • Limited support hours
  • 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

For the last 25 years, New Era Debt Solutions has helped many people, especially families, lighten their financial burdens by settling their debt in an average of just over two years. They follow a personalized approach, pairing you with dedicated debt relief specialists who negotiate with your creditors to significantly reduce your obligations. The company has scored an A+ rating from the Better Business Bureau (BBB) and is accredited by the International Association of Professional Debt Arbitrators (IAPDA). They have a reputation for boasting trust and transparency with clients, for whom they settled over $275 million in debt across 47 states.

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 credit score
  • Average Net Savings : Around 47.77%, before fees
  • BBB Rating : A+
  • Fees : 14% to 23% of debt settled
  • Timeframe : 28 months on average
  • Trustpilot Score : 5 out of 5
  • Customer Experience : Excellent
Selling Points
  • Diverse debt relief options
  • No minimum debt requirement
  • Excellent debt relief record
  • Nationwide availability
Selling Points
  • Relatively low debt settlement timeframe
  • Offers Rapid Resolution Program (RRP)
  • Has flexible payment options
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
  • Bankruptcy Counseling
  • Undisclosed
    Consolidation Loans
  • Credit Card Debt Relief
  • Undisclosed
    Credit Counseling
  • Undisclosed
    Debt Consolidation
  • Undisclosed
    Debt Counseling
  • Undisclosed
    Debt Management Plans
  • Debt Settlement
  • Undisclosed
    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
  • Undisclosed
    Personal Loans
  • Private Student Loans
  • Undisclosed
    Professional Bills
  • Secured Debts
Payment Options
  • Cash
  • Escrow/Savings Bank Account
  • Major Credit Cards
Payment Options
  • Undisclosed
    Cash
  • Escrow/Savings Bank Account
  • Undisclosed
    Major Credit Cards
Customer Support
  • Email
  • In Office
  • Live Chat
  • Mobile Application
  • Phone
  • Undisclosed
    Ticket
Customer Support
  • Email
  • In Office
  • Live Chat
  • Undisclosed
    Mobile Application
  • Phone
  • Undisclosed
    Ticket

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