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We all need help sometimes. The most important thing to remember is to ask for it as soon as you need it, rather than waiting until a small problem becomes a big one. Take Charge America is always ready to help consumers facing a variety of financial challenges.

Credit Counseling

Take Charge America’s certified counselors provide one-on-one guidance and support through credit counseling, helping you find solutions to your financial challenges and develop a customized budget and action plan for the future. Our credit counseling is confidential, convenient and free. If you prefer, you can complete self-guided credit counseling online in about 20 minutes. You’ll receive a personalized budget and recommended debt solution, which may include a debt management plan.

Debt Management

If you need extra help paying off credit card debt, Take Charge America offers debt management services. We can review your options in detail and recommend next steps, which may include a debt management plan, creditor negotiations or bankruptcy.

Financial Education

Take Charge America offers free educational tools and resources to help you develop effective financial habits, budget to meet living expenses and save for the future. Look through our blog for money-saving tips, and be sure to sign up for live, interactive webinars presented in English and Spanish.

woman working on balancing budget

Struggling with Credit Card Debt?

A debt management plan can help:
  • Consolidate monthly payments
  • Lower interest rates
  • Eliminate collection calls

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Your Rights As A Consumer Of Financial Services

I. BORROWERS TOO HAVE RIGHTS. Many people who borrow money believe that all of the rights and advantages of a loan contract go to the lender of funds. Certainly lenders have significant rights as they must have to be able to secure the return of their funds. If the lender is a bank or other […]

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Learn How Debt Settlement Affects Your Credit Score

Debt settlement can be an appealing option to consumers struggling with high levels of credit card debt. Because it allows borrowers to pay less than the total amount they owe, they think they’re getting a better deal than if they had to pay off the debt in full. But what many don’t realize is that […]

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Debunking the Top 5 Excuses for Missing Credit Card Payments

We can all agree that paying credit card bills is no fun. But paying them late — or worse, missing payments completely — is even less fun due to consequences including late fees, higher interest rates and lower credit scores. And while you might think you have a legitimate reason for paying late, your creditors […]

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