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1-866-528-0588

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Take Charge America is a non-profit financial education and credit counseling organization.

We are dedicated to helping people nationwide improve their financial futures through educational outreach, credit counseling and debt management solutions.
Our Services

Services Overview

Credit Counseling
Education really is power when it comes to your finances. We can provide you with the tools, knowledge and customized budget to help you reach your goals.

Debt Management
Overwhelmed by debt? We have real solutions for real people with serious debt challenges. Support, compassion and education can be found here.

Housing Counseling
Homeownership comes with opportunities and challenges. Whether you’re just starting out or seeking guidance in the face of foreclosure, we offer support you need.

Bankruptcy Counseling
Bankruptcy is a legal process designed to help consumers and businesses eliminate or repay debts under the protection of the federal bankruptcy court.

Student Loan Counseling
Are you struggling to repay student loans? Our specially trained student loan counselors can help you identify the right solution for paying off your debt.
Financial Education
About TCA
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The Budget Doctor

Have a question for The Budget Doctor? Here is the place to ask him all of your financial and lifestyle related questions. Please fill out the form below and The Budget Doctor will respond in a timely manner.
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Certified Credit Counselors:
Available Monday - Thursday, 9:00am-10:00pm EST and Friday 9:00am-8:00pm EST

Open Accounts Counselors: (Account Info)
Available Monday - Thursday, 9:00am-9:00pm EST and Friday 9:00am-8:00pm EST

Account Info by Phone:
Available 24 hours: 800-823-7396

Payment Address
P.O. Box 83330
Phoenix, AZ 85071-3330

Walk-in Payment Hours
Available Monday - Friday, 7:00am-3:30pm
Arizona Local Time

Principal Location / Overnight Payment Address
20620 North 19th Ave
Phoenix, AZ 85027-3585

Employment questions?
TCA Career Center
Phone: 623-266-6100
Fax: 623-266-8600

Account Processing Fax
623-266-6465

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