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Debt Management Plans

If you qualify following a credit counseling session a debt management plan can help you get out of credit card debt faster. Benefits typically 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

Customization payment date

Our Counseling Services

Credit Counseling

Credit & Budget Counseling

Free online or phone-based service that helps you overcome financial challenges. We’ll assess your finances and build a realistic budget to eliminate debt.

Call: (866) 260-6752

Housing Counseling

Housing Counseling

We help renters and homeowners at any stage — whether you’re finding a place or facing foreclosure.

  • First-time homebuyer education
  • Pre- & Post-Purchase
  • Rental Delinquency Foreclosure

Call: (866) 260-6751



© 2026 Take Charge America. All Rights Reserved.

Take Charge America, Inc. is NOT A LOAN COMPANY. We do not lend money.

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