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Need Help Paying Off Credit Card Debt?

As a nonprofit, we offer objective and personalized guidance for overcoming credit card debt. We know paying off debt may seem like an uphill battle, but we can provide you with the resources, knowledge and peace of mind to get back on the right financial track.

Many people find relief with a debt management plan
Benefits may include:
Overall lower monthly payment
Reduced interest rates
Waived late and over-limit fees
An end to collection calls
3-5 year debt repayment average
Customizable payment date

Start with a Free Action Plan

We can help you identify the right path to eliminate your credit card debt through a free credit counseling session. You will receive an action plan including a credit report summary, customized budget, debt repayment options and educational resources.

Our online counseling is available 24/7.

You can also call 866-528-0588 to speak with a credit counselor, Monday through Friday, 6 a.m. to 6 p.m. MST.
Start Your Session Online

Overcome Your Financial Challenges

We have helped more than 2 million Americans pay off more than $6 billion in personal debts.

How can we help you?

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A Trustworthy Partner

Founded in 1987, Take Charge America is among the nation’s leading nonprofit financial counseling agencies. We have helped more than 2 million people nationwide transform their financial outlooks through credit counseling, debt management, student loan counseling, housing counseling and bankruptcy counseling. We bring compassion and objective guidance to Americans who need extra assistance overcoming financial challenges.
Learn More About Us

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In Their Words

5 Star Review
by Joan Braithwaite
It Worked For Me

I had credit card debt when I became unable to work and on social security it was hard.
Take Change America helped me with a plan I could manage.
It was what I needed, TCA is there for any questions and they did a great job.
I’m very satisfied. Thanks

5 Star Review
by Kermit McCoy
Details Are Quite Simple

Details are quite simple changing my buying habits, paying my lowest bills as fast as possible without breaking my finances stability. Plus, keeping a positive flow in my different accounts.

5 Star Review
by Allegra C.
We're Finally Recovering

This place is forthright, helpful, and will accomplish what you need if you find yourself in more debt than you know how to handle. They work by negotiating lower APRs, thereby giving you the tool to get out of the financial hole without the cons of bankruptcy.

5 Star Review
by Wayne Thai
Nothing But Great Things to Say

I wish I could assign 10 stars. This company did so much for me. They kept my head above water daily for 4+ years. I have nothing but great things to say about them. If you need help. I’m certain they can help.

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Free Financial

Arm yourself with the knowledge to create lifelong financial independence. Get tips and tools for managing debt, developing effective financial habits, budgeting to meet living expenses and saving for the future.
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