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Yes, InCharge Debt Solutions is a legitimate company. Established in 1997, they are accredited by the National Foundation for Credit Counseling (NFCC) and the Financial Counseling Association of America (FCAA). The company is also accredited by the Executive Office for United States Trustees and the U.S. Department of Housing and Urban Development, and maintains an A+ rating from the Better Business Bureau (BBB).

InCharge Debt Solutions operates in all 50 states, including Washington, DC. This nationwide availability ensures that individuals across the United States can access their services.

InCharge Debt Solutions typically charges an enrollment fee ranging from $50 to $75. While specific monthly fees are not disclosed on their website, the average monthly cost is approximately $32. Fees may vary based on state regulations and household income levels, and options for reduced or waived fees are available for clients facing financial hardship.

Enrolling in a debt management plan (DMP) with InCharge Debt Solutions can impact your credit score. Initially, your credit score may dip due to the closing of accounts and changes in credit utilization. However, as you make consistent payments and reduce your overall debt, your credit score can improve over time.

If you miss a payment with InCharge Debt Solutions, it is important to contact their customer support team immediately. Consistently depositing funds into your designated account is crucial for negotiating with creditors and staying on track with your debt management plan. Missing payments can result in additional fees and may negatively affect your progress in the program.