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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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The Pros and Cons of Cosigning a Loan

Having a friend or family member ask you to cosign a loan can trigger a number of questions and concerns. Because someone you care about needs help, it can be tempting to agree to be a cosigner, without thinking through all the possible things that could happen as a result. Here are some things you […]

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