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Take Charge America Credit Counseling

Credit Counseling
How it Works

At Take Charge America, credit counseling is a free service that can help you find solutions to your financial challenges. Our certified credit counselors will help you review your finances, develop a personalized budget and provide you with the tools, knowledge and resources to meet your financial goals. Here's how the credit counseling process works:

Couple calling for credit counseling help

Step 1: Get Started

Fill out our online form to set up your initial credit counseling session. A certified credit counselor will call you at your convenience. We simply need your name, contact information, best time to reach you and state of residency.

You can also call us at 1(866)528-0588 to speak with a counselor now.

In the meantime, we encourage you to learn how we have helped people just like you improve their financial futures.

Step 2: Gather Budget Information

To better assist you, please gather the following budget information ahead of your initial credit counseling session:

  • Your annual income, including alimony, child support, bonuses and commission, if applicable
  • Your current monthly expenses, including items you may not purchase on a daily basis, such as home maintenance, vehicle repairs, medical copays and prescriptions
  • If credit card debt is one of your challenges, please be prepared to review creditor minimum monthly payments, current balances, and any special repayment programs or payment arrangements made with your creditors

Step 3: Initial Credit Counseling Session

During your initial credit counseling session, a certified credit counselor will help you review your finances and identify ways to help you get back on track. The counselor will guide you through a series of questions to review the following items:Budget Items

  • Income
  • Assets
  • Liabilities and expenses
  • Secured and unsecured debt
  • Employment
  • Education
  • Buying habits

The information covered during this call will be used to develop a personalized budget and action plan. We will also suggest solutions to your financial challenges, which may include debt management, selling assets or specific ways you can free up more money in your current budget, among other action items. There is no charge for our credit counseling services or support.

Additionally, you will receive free educational tools and resources to help you develop effective financial habits, budget to meet living expenses and save for the future.

Step 4: Take Advantage of Educational Resources

After completing your initial credit counseling session, you will gain instant access to your personalized budget and action plan at If preferred, we can also mail you a copy of these documents.

As a member of the Take Charge America community, you will also gain access to free educational tools and resources at

  • TCA BudgetPro, our proprietary budgeting software
  • eLearning courses
  • Personal finance eBook
  • Financial calculators
  • Educational articles from The Budget Doctor®

If you should need further assistance or have any questions, please don't hesitate to contact us.

Financial relief is within reach! Click here to get started or call 1(866)528-0588. For more information on credit counseling, please visit our Credit Counseling FAQ's.

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