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233<link rel="alternate" hreflang="en-us" href="https://www.incharge.org/" />
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236<script>document.documentElement.className += " js";</script>
236
237			<style>.cmplz-hidden {
238					display: none !important;
239				}</style>
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257<meta name="msapplication-TileImage" content="https://www.incharge.org/wp-content/uploads/2026/02/cropped-favicon-1-270x270.png" />
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262} 
263html {
264	scroll-behavior: smooth;
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285ul.fl-menu-horizontal li.mega-menu.fl-has-submenu:hover > ul.sub-menu, ul.fl-menu-horizontal li.mega-menu.fl-has-submenu.focus > ul.sub-menu {
286    display: flex !important;
287    border-top: 2px solid #f9f9f97a;
288    padding: 10px 6px;
289}
290.diKnMW {box-shadow: 0px 0px 7px #00000017 !important;}
291.uabb-separator, .fl-separator {border-radius:100px}
292.frm_style_formidable-style.with_frm_style .frm_compact .frm_dropzone.dz-clickable .dz-message, .frm_style_formidable-style.with_frm_style input[type=submit], .frm_style_formidable-style.with_frm_style .frm_submit input[type=button], .frm_style_formidable-style.with_frm_style .frm_submit button, .frm_form_submit_style, .frm_style_formidable-style.with_frm_style .frm-edit-page-btn {display:block;font-family: "Lato" !important;
293    width: 100%!important;
294    font-weight: 700!important;
295    font-size:1.15rem!important; background:#c3141d!important;
296border:1px solid #c3141d!important;padding:10px 20px}
297.cmplz-cookiebanner .cmplz-buttons .cmplz-btn.cmplz-deny {border: solid 1px #333333 !important}
298.frm_error {
299    background-color: #f2dede;
300    border: 1px solid #ebccd1;
301    font-size: 15px !important;
302    border-radius: 4px;
303    color: #b94a48 !important;
304    padding: 7px !important;
305}
306/*
307 * Responsive YouTube fallback when an iframe is inserted
308 * after FitVids has already initialized.
309 *
310 * The existing wrapper uses padding-top: 50%, so the
311 * corresponding aspect ratio is 2:1.
312 */
313.fl-embed-video > iframe.cmplz-video,
314.fl-embed-video > iframe[src*="youtube.com"],
315.fl-embed-video > iframe[data-lazy-src*="youtube.com"],
316.fl-embed-video > .rll-youtube-player {
317    display: block;
318    width: 100% !important;
319    max-width: none !important;
320    height: auto !important;
321    aspect-ratio: 2 / 1;
322}
323
324/* Size WP Rocket's facade contents if it is still generated. */
325.fl-embed-video > .rll-youtube-player iframe,
326.fl-embed-video > .rll-youtube-player img {
327    width: 100% !important;
328    height: 100% !important;
329}
330.poweredBy {display:none}
331.es-switcher {margin-top:-20px !important}
332.frm_error::after {
333    content: " \2191";
334}
335.with_frm_style .frm_checkbox label {display:block}
336.frm_style_formidable-style.with_frm_style .frm-edit-page-btn:hover, .frm_style_formidable-style.with_frm_style input[type=submit]:hover, .frm_style_formidable-style.with_frm_style .frm_submit input[type=button]:hover, .frm_style_formidable-style.with_frm_style .frm_submit button:hover{background: #ff1919 !important;border-color:#ff1919 !important;text-decoration:underline !important;color:white}
337.with_frm_style .frm_top_container .frm_primary_label{text-align: center;    font-size: 1.2rem;}
338.authorization_text .frm_primary_label{text-align: left!important}
339.frm_description{display:none}
340.frm_checkbox label {font-size:.70rem!important;line-height: 1.05rem!important;}
341.frm_range_unit,.frm_range_value{display:none !important}
342.frm_description{color:#444444;font-size:1rem}
343.wtr-time-wrap.before-content{display:inline-block}
344.uabb-slide-box-wrap {border-radius:0}
345.main h2, .main h3,.main h4 {padding-top:10px}
346.main h3,.main h4 {color:#17283d}
347.uabb-icon-wrap .uabb-icon i:before {
348height: auto !important;
349    width: auto !important;
350}
351.rll-youtube-player {
352    width: 100% !important;
353}
354.menu a {padding: 18px 20px 20px 20px;}
355ul.sub-menu a {padding: 25px 35px 10px 35px;}
356.no-hover .fl-has-submenu-container a:hover {
357text-decoration:none !important;
358	color:#ffffff!important;
359cursor: default!important;
360}
361.authorization_text {
362    margin-top: 0px;
363    margin-bottom: 0;}
364.company_button{text-align:center;color:white !important;background:#54ab20;width:100%;max-width:300px;padding:6px 15px;border-radius:100px;margin:auto;display:block}
365.poweredBy{display:none}
366.company_button a, .company_button a:active, .company_button a:hover {color:white !important}
367.company_button:hover {background:red}
368.uabb-slide-down-box-section-content ul{margin-left: 20px;
369    margin-top: 10px;}
370header{z-index: 1;}
371.fl-builder-content .uabb-button i:before{font-size: .9em;}
372.uabb-overlay-slide-down .menu a:hover, .uabb-overlay-slide-down .menu a:focus {color:#ffffff}
373.main p {letter-spacing: .2px;}
374.main ul, .main ol {margin-bottom:30px}
375.main ul li, .main ol li{margin-bottom:8px}
376body section.wfea .booknow a.button {width:120px}
377blockquote {
378   letter-spacing: 1.5px;
379    font-size: 1.1em;
380    text-align: left;
381    margin: 2rem 5%; }
382blockquote:before, blockquote:after {
383content: '';
384    text-align: left;
385    display: block;
386    color: #f7b91b;
387    border-top: 3px solid;
388    width: 25%;
389    margin: 20px 0 20px;}
390.uabb-icon i {
391	display: inline-grid;
392}
393.fl-module-content table tr td {    padding: 15px;font-size: 1em;}
394.fl-module-content table tr:nth-child(odd) {background: #efefef}
395.fl-module-content table tr:hover td {background:#daeeff}
396.source-box{
397	padding:30px 30px;
398	background:#f2f2f2;word-break: break-word;}
399.sources-contents{
400	padding: 0 20px;
401	width:100%;
402	max-width: 1260px;
403	margin:auto;font-size: .9em;}
404.sources-contents ol li{
405	margin-bottom:14px}
406.uabb-module-content .uabb-text-editor ul li, .uabb-module-content .uabb-text-editor ol li,
407.fl-rich-text ul li, .fl-rich-text ol li{margin-bottom:10px}
408.rounded_corners, .rounded_corners .fl-node-content, .rounded_corners .uabb-faq-item {border-radius:4px !important;}
409.uabb-creative-button-wrap a, .uabb-creative-button-wrap a:visited, .uabb-creative-button-wrap a .uabb-creative-button-text, .uabb-creative-button-wrap a .uabb-creative-button-icon, .uabb-creative-button-wrap a:visited .uabb-creative-button-text, .uabb-creative-button-wrap a:visited .uabb-creative-button-icon {
410	    -webkit-transition: none;
411    -moz-transition: none;
412    -ms-transition: none;
413    -o-transition: none;
414	transition:none}
415.dark_box_shadow {
416	box-shadow:0px 0px 5px #17283c5e
417}
418.top a:hover, .top a:focus {color: #f7b91b;}
419.menu-item-description{display:none}
420/* Base Table */
421.table {
422  width: 100%;
423  border-collapse: collapse;
424  border: solid 1px #cccccc;
425}
426
427/* Table Headers */
428.table th {
429  border: 1px solid #696969;
430  padding: 10px;
431  background: #474747;
432  color: #ffffff;
433  font-weight: 500;
434  line-height: 120%;
435  vertical-align: middle;
436
437  /* FIX */
438  display: table-cell;
439  width: auto;
440}
441
442/* Table Cells */
443.table td {
444  border: 1px solid #dee2e6;
445  padding: 1rem;
446
447  /* FIX */
448  display: table-cell;
449  width: auto;
450}
451
452/* Hover Effect */
453.table tr:hover td {
454  background: #eaf7ff;
455}
456.uabb-toc-content-heading .toc-lists {padding-left:35px !important}
457a:hover, a:focus {
458	text-decoration:underline !important;
459}
460.white_text{color:#fff}
461.white_text .uabb-infobox-content .uabb-infobox-text p:last-of-type{color: rgb(255 255 255 / 80%);}
462.white_text a,.white_text a:active,.white_text a:visited{color:#fff!important;text-decoration:underline!important}
463.white_text a:hover,.white_text a:focus{color:#f7b91b!important;text-decoration:none!important}
464.top-header a:hover, .top-header a:focus {
465	color:white !important
466}
467.related-bottom .uabb-blog-post-content .uabb-post-meta {font-size:.85rem}
468.menu a:hover, .menu a:focus {color:#ffffff} 
469#menu-main-menu-1 a:hover, #menu-main-menu-1 a:focus {color:#ffffff} 
470.uabb-creative-menu a {
471	line-height: 1.5em !important;}
472.uabb-creative-menu .uabb-menu-overlay > ul.menu{top:35%!important}
473.uabb-menu-overlay ul.menu {width:90%}
474.uabb-creative-menu-expanded ul.sub-menu li a, .uabb-creative-menu-accordion ul.sub-menu li a, .uabb-creative-menu-accordion ul.sub-menu li .uabb-has-submenu-container a, .uabb-creative-menu-expanded ul.sub-menu li .uabb-has-submenu-container a {text-indent:0 !important}
475.sidebar-nav  .uabb-creative-menu.off-canvas a:hover{color:white !important} 
476.fl-photo-content a:after {
477	display:none
478}
479.post-sidebar .uabb-infobox {padding:0}
480a.fl-button, a.uabb-button {
481	border-radius: 100px !important;
482	text-transform:capitalize;
483}
484.fl-node-5e99cfec23a32 .uabb-sf-style-style1 .uabb-form-field input {
485	border-radius: 5px !important;
486}
487.ad-disclosure .fl-accordion-button-icon{display:none}
488.ad-disclosure .fl-accordion-button,.ad-disclosure .fl-accordion-button-label{width: 100%;
489    text-align: center;}
490.article .uabb-photo-content {
491	border-radius:4px;
492	    background: #ffffff;
493    min-height: 180px;
494    width: 100%;
495}
496.right-red-arrow {    margin-left: .5em;    font-weight: 900;    color: #145588;}
497.right-red-arrow:before {
498    font-family: 'Font Awesome 5 Free';
499    float: left;
500    margin-left: 2em;
501    color: #ce2029;
502    margin-top: 5px;
503	font-size: 13px;content: '\f105';}
504.uabb-toc-content-heading .toc-lists {
505	padding-bottom: 20px;
506}
507.uabb-toggle-toc{padding-top:1px!important}
508.toc-lists li ul {
509	padding-inline-start: 25px;
510}
511.toc-lists li:not(:last-child){padding-bottom:10px!important}
512.main a, .main a:active {
513	text-decoration:underline !important;
514}
515.main a:hover, .main a:focus {
516	text-decoration:none !important
517}
518.uabb-infobox-title a, .uabb-infobox-title a:active, .uabb-infobox-title a:visited {text-decoration:none}
519.uabb-infobox-title a:hover {text-decoration:underline !important}
520#top-bar-search input[type=text]{
521	opacity:.8
522}
523.article .uabb-photo-content {
524	border-radius:4px;
525	    background: #ffffff;
526    min-height: 180px;
527    width: 100%;
528}
529.q.text-input {
530	width:79%;
531	float:left;
532	border-radius: 4px 0 0 4px
533}
534.searchform submit {
535	padding:1px 0 0 0;
536	margin:0;
537	float:left;
538	border-radius:0 4px 4px 0;
539	background:#aaaaaa;
540	border:none
541}
542.ubermenu-submenu-id-26817, .ubermenu-submenu-id-26824,  .ubermenu-submenu-id-27042, .ubermenu-submenu-id-27049, .ubermenu-submenu-id-27050, .ubermenu-submenu-id-27051{
543	border-right:1px solid #052C49 !important;
544}
545.ubermenu .ubermenu-autocolumn, .ubermenu .ubermenu-submenu-type-stack {
546	padding-top:0px;
547}
548.ubermenu.ubermenu-main .ubermenu-item-normal > .ubermenu-target .ubermenu-target-text:hover{
549	text-decoration:underline;
550}
551.side_related_posts .uabb-thumbnail-position-left .uabb-post-thumbnail
552{width:30%}
553.side_related_posts .uabb-thumbnail-position-left .uabb-blog-post-content{width:70%}
554.side_related_posts .uabb-blog-posts .uabb-blog-posts-shadow{padding-bottom: 10px;}
555	header[data-type="header"]{
556		left: 0;
557		position: fixed;
558		right: 0;
559		top: 0;
560		width: 100%;
561		z-index: 100;
562	}
563.side_related_posts_full_title .uabb-thumbnail-position-left .uabb-blog-post-content{width:100%}
564
565	.fl-page{
566		margin-top:130px !important
567}
568.admin-bar header[data-type="header"] {
569	top: 32px;
570}
571@media (max-width:1089px) {
572.ubermenu-main .ubermenu-item-level-0 > .ubermenu-target{padding-left: 0px;}
573}
574/* Allow Sticky Header */
575@media (max-width:991px) {
576	header[data-type="header"]{
577		left: 0;
578		position: fixed;
579		right: 0;
580		top: 0;
581		width: 100%;
582		z-index: 100;
583	}
584	.fl-page{
585		margin-top:105px !important
586}
587.admin-bar header[data-type="header"] {
588	top: 32px;
589}
590}
591@media (max-width: 768px) {
592	  .table {
593    display: block;
594    overflow-x: auto;
595    white-space: nowrap;
596  }
597		  .fl-module-uabb-photo img {
598    width: 100% !important;
599    height: 180px !important; /* adjust crop height */
600    object-fit: cover;
601    object-position: center;
602    display: block;
603  }
604	.fl-post-feed-post.fl-post-feed-image-beside{max-width:450px !important;    padding: 20px 20px !important}
605	.fl-module-fl-post-navigation .nav-links .nav-previous{width: 50%;    float: left;}
606	.cmplz-cookiebanner {width:90% !important}
607	.fl-module-fl-post-navigation .nav-links .nav-next{ text-align: right;
608    width: 50%;
609		float: right;}
610	.left-text{text-align:left}
611	.company .col-sm, .company .col-6,.company .col-sm-12 {margin-bottom:10px}
612
613	.source-box{	padding:30px 0;}
614	.fl-builder-content .fl-node-5e9da2e30207d {max-width:200px}
615	.uabb-module-content.uabb-creative-button-wrap a {width:100%}
616	.sidebar .uabb-creative-menu-mobile-toggle {text-align:center!important;width:100%}
617	body {
618  scroll-padding-top: 100px;
619		scroll-behavior: smooth;
620}
621html {
622  scroll-padding-top: 100px;
623	scroll-behavior: smooth;
624}
625}
626@media (max-width: 600px) {
627	.infobox-center{padding:20px}
628		.main .table caption{text-align:left!important}
629	.main .alignleft{width:100%;height:auto}
630		.with_frm_style .frm_top_container .frm_primary_label{text-align: left}
631#field_debt_amount_label{text-align: center!important}
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856Helpful Resources<span class="uabb-menu-toggle"></span></span></a></div>
857	<ul class="sub-menu">
858		<li id="menu-item-19310" class="menu-item menu-item-type-post_type menu-item-object-page uabb-creative-menu uabb-cm-style"><a href="https://www.incharge.org/financial-literacy/"><span class="menu-item-text">Financial Literacy</span></a></li>
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899nter uabb-creative-button-tablet-center uabb-button-reponsive-center uabb-creative-button-reponsive-center uabb-button-has-icon uabb-creative-button-has-icon">
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901							<span class="uabb-button-text uabb-creative-button-text">Call Today: (888) 250-3547</span>
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903							
904						
905		</a>
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909
910
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915	</div>
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918</div>
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920
921		
922<div class="fl-content-full container">
923	<div class="row">
924		<div class="fl-content col-md-12">
925			<article class="fl-post post-17309 page type-page status-publish has-post-thumbnail hentry tag-no-ads" id="fl-post-17309" itemscope="itemscope" itemtype="https://schema.org/CreativeWork">
926
927			<div class="fl-post-content clearfix" itemprop="text">
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929	<div class="fl-row-content-wrap">
930								<div class="fl-row-content fl-row-fixed-width fl-node-content">
931		
932<div class="fl-col-group fl-node-w8p6stz1kf0y" data-node="w8p6stz1kf0y">
933			<div class="fl-col fl-node-nj3r6vs18kup fl-col-bg-photo fl-col-has-cols" data-node="nj3r6vs18kup">
934	<div class="fl-col-content fl-node-content">		
935<div class="fl-col-group fl-node-0h15l3t8s6zj fl-col-group-nested" data-node="0h15l3t8s6zj">
936			<div class="fl-col fl-node-8hxfg4onqs3u fl-col-bg-color" data-node="8hxfg4onqs3u">
937	<div class="fl-col-content fl-node-content">		<h1  class="fl-module fl-module-heading fl-heading fl-heading-text fl-node-cov5jz4h3giu" data-node="cov5jz4h3giu" aria-label="Heading">
938			<span style="color:#ffca22 !important;">Launch</span><br>into Debt Relief	</h1>
939</div>
940</div>
941	</div>
942<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-swvm1u8axchz" data-node="swvm1u8axchz" aria-label="Text Editor">
943	<p>Lower Your Interest Rates, One Monthly Payment, No Credit Score Requirement</p>
944</div>
945<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-4ci12adxvo8h fl-visible-desktop fl-visible-large fl-visible-medium" data-node="4ci12adxvo8h" aria-label="Text Editor">
946	<h2>OUR CLIENTS LOVE US</h2>
947</div>
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949	<ul>
950<li>94% Customer Satisfaction Rating</li>
951<li>Credit Card Interest Rate As Low As 0%</li>
952</ul>
953</div>
954
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956			<div class="fl-col fl-node-sr21o9bzl03t fl-col-bg-color fl-col-small fl-visible-desktop fl-visible-large fl-visible-medium" data-node="sr21o9bzl03t">
957	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-icon fl-node-kjqe2i3b0ns6" data-node="kjqe2i3b0ns6" aria-label="Icon">
958	<div class="fl-module-content fl-node-content">
959		<div class="fl-icon-wrap">
960	<span class="fl-icon">
961				<i class="fas fa-shield-alt" aria-hidden="true"></i>
962					</span>
963			<div id="fl-icon-text-kjqe2i3b0ns6" class="fl-icon-text fl-icon-text-wrap">
964						<p>Trusted Nonprofit Since 1997</p>					</div>
965	</div>
966	</div>
967</div>
968</div>
969</div>
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971	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-icon fl-node-ehirkb072q6y" data-node="ehirkb072q6y" aria-label="Icon">
972	<div class="fl-module-content fl-node-content">
973		<div class="fl-icon-wrap">
974	<span class="fl-icon">
975				<i class="fas fa-award" aria-hidden="true"></i>
976					</span>
977			<div id="fl-icon-text-ehirkb072q6y" class="fl-icon-text fl-icon-text-wrap">
978						<p>NFCC Accredited</p>					</div>
979	</div>
980	</div>
981</div>
982</div>
983</div>
984			<div class="fl-col fl-node-q0x8z3rfn27d fl-col-bg-color fl-col-small fl-visible-desktop fl-visible-large fl-visible-medium" data-node="q0x8z3rfn27d">
985	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-icon fl-node-bkeg80jz16il" data-node="bkeg80jz16il" aria-label="Icon">
986	<div class="fl-module-content fl-node-content">
987		<div class="fl-icon-wrap">
988	<span class="fl-icon">
989				<i class="fas fa-user-friends" aria-hidden="true"></i>
990					</span>
991			<div id="fl-icon-text-bkeg80jz16il" class="fl-icon-text fl-icon-text-wrap">
992						<p>100% Free Counseling No Obligation</p>					</div>
993	</div>
994	</div>
995</div>
996</div>
997</div>
998	</div>
999</div>
1000</div>
1001			<div class="fl-col fl-node-cpg1m70sohyi fl-col-bg-color fl-col-small" data-node="cpg1m70sohyi">
1002	<div class="fl-col-content fl-node-content">		<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-ydz7q6i09k1v" data-node="ydz7q6i09k1v" aria-label="Text Editor">
1003	<h2 style="text-align: center; color: #333333;"><strong>Choose Your<br />
1004Credit Card Debt Amount</strong></h2>
1005<p class="rangeslider_max" style="text-align: center;"><input id="range-input" title="Estimated Debt Slider Control" form="home_live_quotes" max="100000" min="1000" name="AmountOfDebt" step="1000" type="range" value="20000" aria-label="Estimated Debt Slider" data-rangeslider="" /></p>
1006</div>
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1008	<div id="Staffed-CTA"><link rel='stylesheet' id='fl-builder-wp-editor-css' href='https://www.incharge.org/wp-content/plugins/bb-plugin/css/build/wp-editor.bundle.min.css?ver=2.11.1' media='all' />
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1010<style id="fl-builder-layout-56937-inline-css">
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-moz-transform: rotateY(-60deg);-ms-transform: rotateY(-60deg);transform: rotateY(-60deg);}.uabb-creative-threed-btn.uabb-animate_right-btn:after {width: 20%;height: 100%;left: 104%;top: 0;-webkit-transform-origin: 0% 0%; -moz-transform-origin: 0% 0%;-ms-transform-origin: 0% 0%;transform-origin: 0% 0%;-webkit-transform: rotateY(120deg); -moz-transform: rotateY(120deg);-ms-transform: rotateY(120deg);transform: rotateY(120deg);}.uabb-animate_top-btn:hover{-webkit-transform: rotateX(-15deg); -moz-transform: rotateX(-15deg);-ms-transform: rotateX(-15deg); -o-transform: rotateX(-15deg);transform: rotateX(-15deg);}.uabb-animate_bottom-btn:hover{-webkit-transform: rotateX(15deg); -moz-transform: rotateX(15deg);-ms-transform: rotateX(15deg); -o-transform: rotateX(15deg);transform: rotateX(15deg);}.uabb-animate_left-btn:hover{-webkit-transform: rotateY(6deg); -moz-transform: rotateY(6deg);-ms-transform: rotateY(6deg); -o-transform: rotateY(6deg);transform: rotateY(6deg);}.uabb-animate_right-btn:hover{-webkit-transform: rotateY(-6deg); -moz-transform: rotateY(-6deg);-ms-transform: rotateY(-6deg); -o-transform: rotateY(-6deg);transform: rotateY(-6deg);}.uabb-creative-flat-btn.uabb-animate_to_right-btn,.uabb-creative-flat-btn.uabb-animate_to_left-btn,.uabb-creative-flat-btn.uabb-animate_from_top-btn,.uabb-creative-flat-btn.uabb-animate_from_bottom-btn {overflow: hidden;position: relative;}.uabb-creative-flat-btn.uabb-animate_to_right-btn i,.uabb-creative-flat-btn.uabb-animate_to_left-btn i,.uabb-creative-flat-btn.uabb-animate_from_top-btn i,.uabb-creative-flat-btn.uabb-animate_from_bottom-btn i {bottom: 0;
1011height: 100%;margin: 0;opacity: 1;position: absolute;right: 0;width: 100%;-webkit-transition: all 200ms linear; -moz-transition: all 200ms linear;transition: all 200ms linear;-webkit-transform: translateY(0); -moz-transform: translateY(0); -o-transform: translateY(0);-ms-transform: translateY(0);transform: translateY(0);}.uabb-creative-flat-btn.uabb-animate_to_right-btn .uabb-button-text,.uabb-creative-flat-btn.uabb-animate_to_left-btn .uabb-button-text,.uabb-creative-flat-btn.uabb-animate_from_top-btn .uabb-button-text,.uabb-creative-flat-btn.uabb-animate_from_bottom-btn .uabb-button-text {display: inline-block;width: 100%;height: 100%;-webkit-transition: all 200ms linear; -moz-transition: all 200ms linear;-ms-transition: all 200ms linear; -o-transition: all 200ms linear;transition: all 200ms linear;-webkit-backface-visibility: hidden; -moz-backface-visibility: hidden;backface-visibility: hidden;}.uabb-creative-flat-btn.uabb-animate_to_right-btn i:before,.uabb-creative-flat-btn.uabb-animate_to_left-btn i:before,.uabb-creative-flat-btn.uabb-animate_from_top-btn i:before,.uabb-creative-flat-btn.uabb-animate_from_bottom-btn i:before {position: absolute;top: 50%;left: 50%;-webkit-transform: translateX(-50%) translateY(-50%);-moz-transform: translateX(-50%) translateY(-50%);-o-transform: translateX(-50%) translateY(-50%);-ms-transform: translateX(-50%) translateY(-50%);transform: translateX(-50%) translateY(-50%);}.uabb-creative-flat-btn.uabb-animate_to_right-btn:hover i,.uabb-creative-flat-btn.uabb-animate_to_left-btn:hover i {left: 0;}.uabb-creative-flat-btn.uabb-animate_from_top-btn:hover i,.uabb-creative-flat-btn.uabb-animate_from_bottom-btn:hover i {top: 0;}.uabb-creative-flat-btn.uabb-animate_to_right-btn i {top: 0;left: -100%;}.uabb-creative-flat-btn.uabb-animate_to_right-btn:hover .uabb-button-text {-webkit-transform: translateX(200%); -moz-transform: translateX(200%);-ms-transform: translateX(200%); -o-transform: translateX(200%);transform: translateX(200%);}.uabb-creative-flat-btn.uabb-animate_to_left-btn i {top: 0;left: 100%;}.uabb-creative-flat-btn.uabb-animate_to_left-btn:hover .uabb-button-text {-webkit-transform: translateX(-200%); -moz-transform: translateX(-200%);-ms-transform: translateX(-200%); -o-transform: translateX(-200%);transform: translateX(-200%);}.uabb-creative-flat-btn.uabb-animate_from_top-btn i {top: -100%;left: 0;}.uabb-creative-flat-btn.uabb-animate_from_top-btn:hover .uabb-button-text {-webkit-transform: translateY(400px); -moz-transform: translateY(400px);-ms-transform: translateY(400px); -o-transform: translateY(400px);transform: translateY(400px);}.uabb-creative-flat-btn.uabb-animate_from_bottom-btn i {top: 100%;left: 0;}.uabb-creative-flat-btn.uabb-animate_from_bottom-btn:hover .uabb-button-text {-webkit-transform: translateY(-400px); -moz-transform: translateY(-400px);-ms-transform: translateY(-400px); -o-transform: translateY(-400px);transform: translateY(-400px);}.uabb-tab-acc-content .wp-video, .uabb-tab-acc-content video.wp-video-shortcode, .uabb-tab-acc-content .mejs-container:not(.mejs-audio), .uabb-tab-acc-content .mejs-overlay.load,.uabb-adv-accordion-content .wp-video, .uabb-adv-accordion-content video.wp-video-shortcode, .uabb-adv-accordion-content .mejs-container:not(.mejs-audio), .uabb-adv-accordion-content .mejs-overlay.load {width: 100% !important;height: 100% !important;}.uabb-tab-acc-content .mejs-container:not(.mejs-audio),.uabb-adv-accordion-content .mejs-container:not(.mejs-audio) {padding-top: 56.25%;}.uabb-tab-acc-content .wp-video, .uabb-tab-acc-content video.wp-video-shortcode,.uabb-adv-accordion-content .wp-video, .uabb-adv-accordion-content video.wp-video-shortcode {max-width: 100% !important;}.uabb-tab-acc-content video.wp-video-shortcode,.uabb-adv-accordion-content video.wp-video-shortcode {position: relative;}.uabb-tab-acc-content .mejs-container:not(.mejs-audio) .mejs-mediaelement,.uabb-adv-accordion-content .mejs-container:not(.mejs-audio) .mejs-mediaelement {position: absolute;top: 0;right: 0;bottom: 0;left: 0;}.uabb-tab-acc-content .mejs-overlay-play,.uabb-adv-accordion-content .mejs-overlay-play {top: 0;right: 0;bottom: 0;left: 0;width: auto !important;height: auto !important;}.fl-row-content-wrap .uabb-row-particles-background,.uabb-col-particles-background {width:100%;height:100%;position:absolute;
1011left:0;top:0;}.uabb-creative-button-wrap a,.uabb-creative-button-wrap a:visited {}.uabb-dual-button .uabb-btn,.uabb-dual-button .uabb-btn:visited {}.uabb-js-breakpoint {content:"default";display:none;}@media screen and (max-width: 992px) {.uabb-js-breakpoint {content:"992";}}@media screen and (max-width: 768px) {.uabb-js-breakpoint {content:"768";}}
1012/*# sourceURL=fl-builder-layout-56937-inline-css */
1013</style>
1014<div class="fl-builder-content fl-builder-content-56937 fl-builder-template fl-builder-module-template fl-builder-global-templates-locked" data-post-id="56937"><div class="fl-module fl-module-button fl-node-nsmqyztrpkl4 green-button fl-button-wrap fl-button-width-auto fl-button-center" data-node="nsmqyztrpkl4" aria-label="Button"><a href="tel:8882503547" target="_self" class="fl-button"><span class="fl-button-text">Call Today: (888) 250-3547</span></a></div></div><div class="uabb-js-breakpoint" style="display: none;"></div><link rel='stylesheet' id='fl-builder-layout-50581-css' href='https://www.incharge.org/wp-content/uploads/bb-plugin/cache/50581-layout-partial.css?ver=93971bbc83ddfb4d8e7571ae1f40be7d' media='all' />
1015<div class="fl-builder-content fl-builder-content-50581 fl-builder-template fl-builder-module-template fl-builder-global-templates-locked" data-post-id="50581"><div id="cta-button" class="fl-module fl-module-button fl-node-61659203e69be" data-node="61659203e69be" aria-label="Button">
1016	<div class="fl-module-content fl-node-content">
1017		<div class="fl-button-wrap fl-button-width-auto fl-button-center"><a href="/debt-help/" target="_self" class="fl-button"><span class="fl-button-text">or Continue Online</span></a></div>	</div>
1018</div>
1019</div><div class="uabb-js-breakpoint" style="display: none;"></div></div><div id="Afterhours-CTA" style="display: none;"><link rel='stylesheet' id='fl-builder-layout-50534-css' href='https://www.incharge.org/wp-content/uploads/bb-plugin/cache/50534-layout-partial.css?ver=15497b674772a814d2a0f64fb7288035' media='all' />
1020<div class="fl-builder-content fl-builder-content-50534 fl-builder-template fl-builder-module-template fl-builder-global-templates-locked" data-post-id="50534"><div id="cta-button" class="fl-module fl-module-button fl-node-615c6a79d0a8d" data-node="615c6a79d0a8d" aria-label="Button">
1021	<div class="fl-module-content fl-node-content">
1022		<div class="fl-button-wrap fl-button-width-auto fl-button-center"><a href="/debt-help/" target="_self" class="fl-button"><span class="fl-button-text">Explore your Options</span></a></div>	</div>
1023</div>
1024</div><div class="uabb-js-breakpoint" style="display: none;"></div></div></div>
1025<div  class="fl-module fl-module-html fl-html fl-node-acx8who3uj67" data-node="acx8who3uj67">
1026	
1026<script type="text/javascript" src="//widget.trustpilot.com/bootstrap/v5/tp.widget.bootstrap.min.js" defer></script>
1026
1027<hr>
1028<p style="text-align:center">TrustPilot Reviews</p>
1029<div class="trustpilot-widget" data-locale="en-US" data-template-id="5419b6ffb0d04a076446a9af" data-businessunit-id="5995a2310000ff0005a911a5" data-style-height="20px" data-style-width="100%" data-theme="light">
1030  <a href="https://www.trustpilot.com/review/incharge.org" target="_blank" rel="noopener">Trustpilot</a>
1031</div></div>
1032</div>
1033</div>
1034	</div>
1035
1036<div class="fl-col-group fl-node-mdjrq8z6k7l1" data-node="mdjrq8z6k7l1">
1037			<div class="fl-col fl-node-z234e0xwtq1c fl-col-bg-color fl-visible-mobile" data-node="z234e0xwtq1c">
1038	<div class="fl-col-content fl-node-content">		<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-pgjo32vy8lx5" data-node="pgjo32vy8lx5" aria-label="Text Editor">
1039	<h2>OUR CLIENTS LOVE US</h2>
1040</div>
1041<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-sq39be0h5fyk" data-node="sq39be0h5fyk" aria-label="Text Editor">
1042	<p>94% Customer Satisfaction Rating</p>
1043<p>Credit Card Interest Rate As Low As 0%</p>
1044</div>
1045</div>
1046</div>
1047	</div>
1048
1049<div class="fl-col-group fl-node-y15ujniobqmw fl-col-group-custom-width" data-node="y15ujniobqmw">
1050			<div class="fl-col fl-node-v3ekgl4ouixr fl-col-bg-color fl-col-small fl-col-small-custom-width fl-visible-mobile" data-node="v3ekgl4ouixr">
1051	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-yjpg74xliu98" data-node="yjpg74xliu98">
1052	<div class="fl-module-content fl-node-content">
1053		
1054<div class="uabb-module-content adv-icon-wrap adv-icon-vertical adv-icon-center">
1055<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1056			<span class="uabb-icon">
1057			<i class="fas fa-shield-alt" aria-hidden="true"></i>
1058			</span>
1059		</span>
1060	
1061		</div></div></div>
1062	</div>
1063</div>
1064<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-epf1ostrnli0" data-node="epf1ostrnli0" aria-label="Text Editor">
1065	<p>Trusted Nonprofit Since 1996</p>
1066</div>
1067</div>
1068</div>
1069			<div class="fl-col fl-node-wk4vq0ylj6b8 fl-col-bg-color fl-col-small fl-col-small-custom-width fl-visible-mobile" data-node="wk4vq0ylj6b8">
1070	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-2x904o5rkdbj" data-node="2x904o5rkdbj">
1071	<div class="fl-module-content fl-node-content">
1072		
1073<div class="uabb-module-content adv-icon-wrap adv-icon-vertical adv-icon-center">
1074<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1075			<span class="uabb-icon">
1076			<i class="fas fa-award" aria-hidden="true"></i>
1077			</span>
1078		</span>
1079	
1080		</div></div></div>
1081	</div>
1082</div>
1083<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-fxqm9riebsnj" data-node="fxqm9riebsnj" aria-label="Text Editor">
1084	<p>NFCC Accredited</p>
1085</div>
1086</div>
1087</div>
1088			<div class="fl-col fl-node-qpblhine8ya3 fl-col-bg-color fl-col-small fl-col-small-custom-width fl-visible-mobile" data-node="qpblhine8ya3">
1089	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-zm5xuiglsrdk" data-node="zm5xuiglsrdk">
1090	<div class="fl-module-content fl-node-content">
1091		
1092<div class="uabb-module-content adv-icon-wrap adv-icon-vertical adv-icon-center">
1093<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1094			<span class="uabb-icon">
1095			<i class="fas fa-user-friends" aria-hidden="true"></i>
1096			</span>
1097		</span>
1098	
1099		</div></div></div>
1100	</div>
1101</div>
1102<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-79n4b20vgour" data-node="79n4b20vgour" aria-label="Text Editor">
1103	<p>100% Free Counseling<br />
1104No Obligation</p>
1105</div>
1106</div>
1107</div>
1108	</div>
1109		</div>
1110	</div>
1111</div>
1112<div class="fl-row fl-row-full-width fl-row-bg-color fl-node-f6usa1bo2g4l fl-row-default-height fl-row-align-center" data-node="f6usa1bo2g4l">
1113	<div class="fl-row-content-wrap">
1114								<div class="fl-row-content fl-row-fixed-width fl-node-content">
1115		
1116<div class="fl-col-group fl-node-34af65ro17v2 fl-col-group-custom-width" data-node="34af65ro17v2">
1117			<div class="fl-col fl-node-okdh5i4xj601 fl-col-bg-color fl-col-small fl-col-small-custom-width fl-visible-mobile" data-node="okdh5i4xj601">
1118	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-pzxlhsdro3mk" data-node="pzxlhsdro3mk" aria-label="Info Box">
1119	<div class="fl-module-content fl-node-content">
1120		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1121	<div class="uabb-infobox-left-right-wrap">
1122	<div class="uabb-infobox-content">
1123			<div class="uabb-module-content uabb-imgicon-wrap">		
1124					<div class="uabb-image
1125		 uabb-image-crop-custom		" itemscope itemtype="https://schema.org/ImageObject">
1126			<div class="uabb-image-content">
1127				<img decoding="async" width="100" height="100" class="uabb-photo-img wp-image-57357 size-full" src="https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon.png" alt="dark-blue-piggybank-icon" title="dark-blue-piggybank-icon" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon.png 100w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon-45x45.png 45w" sizes="(max-width: 100px) 100v
1127w, 100px" />
1128			</div>
1129		</div>
1130
1131		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title-prefix">Save an Average of</p><p class="uabb-infobox-title">$75-$300+</p></div>			<div class="uabb-infobox-text-wrap">
1132				<div class="uabb-infobox-text uabb-text-editor"><p>Per Month</p>
1133</div>			</div>
1134						</div>	</div>
1135</div>
1136	</div>
1137</div>
1138</div>
1139</div>
1140			<div class="fl-col fl-node-b0qfn3pl9475 fl-col-bg-color fl-col-small fl-col-small-custom-width fl-visible-mobile" data-node="b0qfn3pl9475">
1141	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-tpc01sjhdgal" data-node="tpc01sjhdgal" aria-label="Info Box">
1142	<div class="fl-module-content fl-node-content">
1143		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1144	<div class="uabb-infobox-left-right-wrap">
1145	<div class="uabb-infobox-content">
1146			<div class="uabb-module-content uabb-imgicon-wrap">		
1147					<div class="uabb-image
1148		 uabb-image-crop-custom		" itemscope itemtype="https://schema.org/ImageObject">
1149			<div class="uabb-image-content">
1150				<img decoding="async" width="100" height="100" class="uabb-photo-img wp-image-57356 size-full" src="https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon.png" alt="Dark-Blue-Calendar-Icon" title="Dark-Blue-Calendar-Icon" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon.png 100w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon-45x45.png 45w" sizes="(max-width: 100px) 100vw, 100px" />
1151			</div>
1152		</div>
1153
1154		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title-prefix">Be Debt-Free in</p><p class="uabb-infobox-title">24-48</p></div>			<div class="uabb-infobox-text-wrap">
1155				<div class="uabb-infobox-text uabb-text-editor"><p>Months</p>
1156</div>			</div>
1157						</div>	</div>
1158</div>
1159	</div>
1160</div>
1161</div>
1162</div>
1163	</div>
1164
1165<div class="fl-col-group fl-node-t5qkznbg9al4 fl-col-group-custom-width" data-node="t5qkznbg9al4">
1166			<div class="fl-col fl-node-u8gt7qf395oe fl-col-bg-color fl-col-small fl-col-small-custom-width fl-visible-mobile" data-node="u8gt7qf395oe">
1167	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-byqvkxw983nf" data-node="byqvkxw983nf" aria-label="Info Box">
1168	<div class="fl-module-content fl-node-content">
1169		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1170	<div class="uabb-infobox-left-right-wrap">
1171	<div class="uabb-infobox-content">
1172			<div class="uabb-module-content uabb-imgicon-wrap">		
1173					<div class="uabb-image
1174		 uabb-image-crop-custom		" itemscope itemtype="https://schema.org/ImageObject">
1175			<div class="uabb-image-content">
1176				<img decoding="async" width="100" height="100" class="uabb-photo-img wp-image-57358 size-full" src="https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon.png" alt="dark-blue-percentage-icon" title="dark-blue-percentage-icon" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon.png 100w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon-45x45.png 45w" sizes="(max-width: 100px) 100vw, 100px" />
1177			</div>
1178		</div>
1179
1180		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title-prefix">Cut Interest Rates</p><p class="uabb-infobox-title">By 3x</p></div>			<div class="uabb-infobox-text-wrap">
1181				<div class="uabb-infobox-text uabb-text-editor"><p>8% on average</p>
1182</div>			</div>
1183						</div>	</div>
1184</div>
1185	</div>
1186</div>
1187</div>
1188</div>
1189			<div class="fl-col fl-node-ybqj0ko5h7z4 fl-col-bg-color fl-col-small fl-col-small-custom-width fl-visible-mobile" data-node="ybqj0ko5h7z4">
1190	<div class="fl-col-content fl-node-content">
1190		<div class="fl-module fl-module-info-box fl-node-mby0pguq1o9z" data-node="mby0pguq1o9z" aria-label="Info Box">
1191	<div class="fl-module-content fl-node-content">
1192		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1193	<div class="uabb-infobox-left-right-wrap">
1194	<div class="uabb-infobox-content">
1195			<div class="uabb-module-content uabb-imgicon-wrap">		
1196					<div class="uabb-image
1197		 uabb-image-crop-custom		" itemscope itemtype="https://schema.org/ImageObject">
1198			<div class="uabb-image-content">
1199				<img decoding="async" width="100" height="100" class="uabb-photo-img wp-image-57359 size-full" src="https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon.png" alt="Dark-Blue-Arrow-Icon" title="Dark-Blue-Arrow-Icon" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon.png 100w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon-45x45.png 45w" sizes="(max-width: 100px) 100vw, 100px" />
1200			</div>
1201		</div>
1202
1203		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title-prefix">Pay Up To</p><p class="uabb-infobox-title">50% LESS</p></div>			<div class="uabb-infobox-text-wrap">
1204				<div class="uabb-infobox-text uabb-text-editor"><p>on Total Debt</p>
1205</div>			</div>
1206						</div>	</div>
1207</div>
1208	</div>
1209</div>
1210</div>
1211</div>
1212	</div>
1213
1214<div class="fl-col-group fl-node-92j7izx1t5cn" data-node="92j7izx1t5cn">
1215			<div class="fl-col fl-node-b524pogfklcj fl-col-bg-photo fl-col-has-cols" data-node="b524pogfklcj">
1216	<div class="fl-col-content fl-node-content">		
1217<div class="fl-col-group fl-node-6wxdfesa8p24 fl-col-group-nested" data-node="6wxdfesa8p24">
1218			<div class="fl-col fl-node-vtc8xq3nzi7f fl-col-bg-color fl-col-small fl-visible-desktop fl-visible-large fl-visible-medium" data-node="vtc8xq3nzi7f">
1219	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-5jmh06e2qzkw" data-node="5jmh06e2qzkw" aria-label="Info Box">
1220	<div class="fl-module-content fl-node-content">
1221		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1222	<div class="uabb-infobox-left-right-wrap">
1223	<div class="uabb-infobox-content">
1224			<div class="uabb-module-content uabb-imgicon-wrap">		
1225					<div class="uabb-image
1226		 uabb-image-crop-custom		" itemscope itemtype="https://schema.org/ImageObject">
1227			<div class="uabb-image-content">
1228				<img decoding="async" width="100" height="100" class="uabb-photo-img wp-image-57357 size-full" src="https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon.png" alt="dark-blue-piggybank-icon" title="dark-blue-piggybank-icon" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon.png 100w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-piggybank-icon-45x45.png 45w" sizes="(max-width: 100px) 100vw, 100px" />
1229			</div>
1230		</div>
1231
1232		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title-prefix">Save an Average of</p><p class="uabb-infobox-title">$75-$300+</p></div>			<div class="uabb-infobox-text-wrap">
1233				<div class="uabb-infobox-text uabb-text-editor"><p>Per Month</p>
1234</div>			</div>
1235						</div>	</div>
1236</div>
1237	</div>
1238</div>
1239</div>
1240</div>
1241			<div class="fl-col fl-node-e0h7ftj6nx54 fl-col-bg-color fl-col-small fl-visible-desktop fl-visible-large fl-visible-medium" data-node="e0h7ftj6nx54">
1242	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-d8b7vwo5xzuj" data-node="d8b7vwo5xzuj" aria-label="Info Box">
1243	<div class="fl-module-content fl-node-content">
1244		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1245	<div class="uabb-infobox-left-right-wrap">
1246	<div class="uabb-infobox-content">
1247			<div class="uabb-module-content uabb-imgicon-wrap">		
1248					<div class="uabb-image
1249		 uabb-image-crop-custom		" itemscope itemtype="https://schema.org/ImageObject">
1250			<div class="uabb-image-content">
1251				<img decoding="async" width="100" height="100" class="uabb-photo-img wp-image-57356 size-full" src="https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon.png" alt="Dark-Blue-Calendar-Icon" title="Dark-Blue-Calendar-Icon" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon.png 100w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Calendar-Icon-45x45.png 45w" sizes="(max-width: 100px) 100v
1251w, 100px" />
1252			</div>
1253		</div>
1254
1255		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title-prefix">Be Debt-Free in</p><p class="uabb-infobox-title">24-48</p></div>			<div class="uabb-infobox-text-wrap">
1256				<div class="uabb-infobox-text uabb-text-editor"><p>Months</p>
1257</div>			</div>
1258						</div>	</div>
1259</div>
1260	</div>
1261</div>
1262</div>
1263</div>
1264			<div class="fl-col fl-node-ovnw8r1dxa9c fl-col-bg-color fl-col-small fl-visible-desktop fl-visible-large fl-visible-medium" data-node="ovnw8r1dxa9c">
1265	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-dirghstfbkl0" data-node="dirghstfbkl0" aria-label="Info Box">
1266	<div class="fl-module-content fl-node-content">
1267		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1268	<div class="uabb-infobox-left-right-wrap">
1269	<div class="uabb-infobox-content">
1270			<div class="uabb-module-content uabb-imgicon-wrap">		
1271					<div class="uabb-image
1272		 uabb-image-crop-custom		" itemscope itemtype="https://schema.org/ImageObject">
1273			<div class="uabb-image-content">
1274				<img decoding="async" width="100" height="100" class="uabb-photo-img wp-image-57358 size-full" src="https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon.png" alt="dark-blue-percentage-icon" title="dark-blue-percentage-icon" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon.png 100w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/06/dark-blue-percentage-icon-45x45.png 45w" sizes="(max-width: 100px) 100vw, 100px" />
1275			</div>
1276		</div>
1277
1278		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title-prefix">Cut Interest Rates</p><p class="uabb-infobox-title">By 3x</p></div>			<div class="uabb-infobox-text-wrap">
1279				<div class="uabb-infobox-text uabb-text-editor"><p>8% on average</p>
1280</div>			</div>
1281						</div>	</div>
1282</div>
1283	</div>
1284</div>
1285</div>
1286</div>
1287			<div class="fl-col fl-node-v7w6zcksy91t fl-col-bg-color fl-col-small fl-visible-desktop fl-visible-large fl-visible-medium" data-node="v7w6zcksy91t">
1288	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-zqhjlkebyw8i" data-node="zqhjlkebyw8i" aria-label="Info Box">
1289	<div class="fl-module-content fl-node-content">
1290		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1291	<div class="uabb-infobox-left-right-wrap">
1292	<div class="uabb-infobox-content">
1293			<div class="uabb-module-content uabb-imgicon-wrap">		
1294					<div class="uabb-image
1295		 uabb-image-crop-custom		" itemscope itemtype="https://schema.org/ImageObject">
1296			<div class="uabb-image-content">
1297				<img decoding="async" width="100" height="100" class="uabb-photo-img wp-image-57359 size-full" src="https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon.png" alt="Dark-Blue-Arrow-Icon" title="Dark-Blue-Arrow-Icon" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon.png 100w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/06/Dark-Blue-Arrow-Icon-45x45.png 45w" sizes="(max-width: 100px) 100vw, 100px" />
1298			</div>
1299		</div>
1300
1301		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title-prefix">Pay Up To</p><p class="uabb-infobox-title">50% LESS</p></div>			<div class="uabb-infobox-text-wrap">
1302				<div class="uabb-infobox-text uabb-text-editor"><p>on Total Debt</p>
1303</div>			</div>
1304						</div>	</div>
1305</div>
1306	</div>
1307</div>
1308</div>
1309</div>
1310	</div>
1311</div>
1312</div>
1313	</div>
1314		</div>
1315	</div>
1316</div>
1317<div class="fl-row fl-row-full-width fl-row-bg-color fl-node-478m5fjbpc9s fl-row-default-height fl-row-align-center background-row" data-node="478m5fjbpc9s">
1318	<div class="fl-row-content-wrap">
1319								<div class="fl-row-content fl-row-fixed-width fl-node-content">
1320		
1321<div class="fl-col-group fl-node-dglf7mhsyaoz" data-node="dglf7mhsyaoz">
1322			<div class="fl-col fl-node-9gjtuiax06zq fl-col-bg-color fl-col-has-cols" data-node="9gjtuiax06zq">
1323	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-nimx5p3tcu1a" data-node="nimx5p3tcu1a" aria-label="Info Box">
1324	<div class="fl-module-content fl-node-content">
1325		<div class="uabb-module-content uabb-infobox infobox-center ">
1326	<div class="uabb-infobox-left-right-wrap">
1327	<div class="uabb-infobox-content">
1328			<div class='uabb-infobox-title-wrap'><h2 class="uabb-infobox-title">What to Expect</h2></div><div class="uabb-infobox-separator"><div class="uabb-module-content uabb-separator-parent">
1329	<div class="uabb-separator"></div>
1330</div>
1331</div>		</div>	</div>
1332</div>
1333	</div>
1334</div>
1335
1336<div class="fl-col-group fl-node-zyc5x0hp2a9n fl-col-group-nested fl-col-group-equal-height fl-col-group-align-top" data-node="zyc5x0hp2a9n">
1337			<div class="fl-col fl-node-k1vaqunbcmjr fl-col-bg-color fl-col-small" data-node="k1vaqunbcmjr">
1338	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-krynh5xb7g4z" data-node="krynh5xb7g4z" aria-label="Info Box">
1339	<div class="fl-module-content fl-node-content">
1340		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1341	<div class="uabb-infobox-left-right-wrap">
1342	<div class="uabb-infobox-content">
1343			<div class="uabb-module-content uabb-imgicon-wrap">		
1344					<div class="uabb-image
1345		 uabb-image-crop-simple		" itemscope itemtype="https://schema.org/ImageObject">
1346			<div class="uabb-image-content">
1347				<img decoding="async" width="200" height="200" class="uabb-photo-img wp-image-56968 size-full" src="https://www.incharge.org/wp-content/uploads/2026/03/Step-1.png" alt="Step-1" title="Step-1" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/03/Step-1.png 200w, https://www.incharge.org/wp-content/uploads/2026/03/Step-1-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/03/Step-1-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/03/Step-1-45x45.png 45w" sizes="(max-width: 200px) 100v
1347w, 200px" />
1348			</div>
1349		</div>
1350
1351		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title">Start Your Free Credit Counseling Session</p></div>			<div class="uabb-infobox-text-wrap">
1352				<div class="uabb-infobox-text uabb-text-editor"><p>Call by phone or continue online to start your free credit counseling session.</p>
1353</div>			</div>
1354						</div>	</div>
1355</div>
1356	</div>
1357</div>
1358<div class="fl-module fl-module-advanced-separator fl-node-vf56d8ek4ulg" data-node="vf56d8ek4ulg">
1359	<div class="fl-module-content fl-node-content">
1360		
1361<div class="uabb-module-content uabb-separator-parent">
1362
1363			<div class="uabb-separator-wrap uabb-separator-center ">
1364			<div class="uabb-separator-line uabb-side-left">
1365				<span></span>
1366			</div>
1367
1368			<div class="uabb-divider-content uabbi-divider">
1369				<div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1370			<span class="uabb-icon">
1371			<i class="fas fa-check-circle" aria-hidden="true"></i>
1372			</span>
1373		</span>
1374	
1375		</div>							</div>
1376
1377			<div class="uabb-separator-line uabb-side-right">
1378				<span></span>
1379			</div> 
1380		</div>
1381	
1382	</div>
1383	</div>
1384</div>
1385<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-pzl4r20w6bhv" data-node="pzl4r20w6bhv" aria-label="Text Editor">
1386	<p>Free</p>
1387</div>
1388</div>
1389</div>
1390			<div class="fl-col fl-node-oagvxdbckh8u fl-col-bg-color fl-col-small" data-node="oagvxdbckh8u">
1391	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-njhqf0xc348p" data-node="njhqf0xc348p" aria-label="Info Box">
1392	<div class="fl-module-content fl-node-content">
1393		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1394	<div class="uabb-infobox-left-right-wrap">
1395	<div class="uabb-infobox-content">
1396			<div class="uabb-module-content uabb-imgicon-wrap">		
1397					<div class="uabb-image
1398		 uabb-image-crop-simple		" itemscope itemtype="https://schema.org/ImageObject">
1399			<div class="uabb-image-content">
1400				<img decoding="async" width="200" height="200" class="uabb-photo-img wp-image-56969 size-full" src="https://www.incharge.org/wp-content/uploads/2026/03/Step-2.png" alt="Step-2" title="Step-2" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/03/Step-2.png 200w, https://www.incharge.org/wp-content/uploads/2026/03/Step-2-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/03/Step-2-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/03/Step-2-45x45.png 45w" sizes="(max-width: 200px) 100vw, 200px" />
1401			</div>
1402		</div>
1403
1404		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title">Review Your Finances</p></div>			<div class="uabb-infobox-text-wrap">
1405				<div class="uabb-infobox-text uabb-text-editor"><p>Review your budget, debts, income, and financial goals to identify your best options.</p>
1406</div>			</div>
1407						</div>	</div>
1408</div>
1409	</div>
1410</div>
1411<div class="fl-module fl-module-advanced-separator fl-node-cyo3fk5b87e1" data-node="cyo3fk5b87e1">
1412	<div class="fl-module-content fl-node-content">
1413		
1414<div class="uabb-module-content uabb-separator-parent">
1415
1416			<div class="uabb-separator-wrap uabb-separator-center ">
1417			<div class="uabb-separator-line uabb-side-left">
1418				<span></span>
1419			</div>
1420
1421			<div class="uabb-divider-content uabbi-divider">
1422				<div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1423			<span class="uabb-icon">
1424			<i class="fas fa-user-friends" aria-hidden="true"></i>
1425			</span>
1426		</span>
1427	
1428		</div>							</div>
1429
1430			<div class="uabb-separator-line uabb-side-right">
1431				<span></span>
1432			</div> 
1433		</div>
1434	
1435	</div>
1436	</div>
1437</div>
1438<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-jhdf8zgksula" data-node="jhdf8zgksula" aria-label="Text Editor">
1439	<p>~ 30-minute session</p>
1440</div>
1441</div>
1442</div>
1443			<div class="fl-col fl-node-4ig3d1jqkheo fl-col-bg-color fl-col-small" data-node="4ig3d1jqkheo">
1444	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-r9wy7igstcvm" data-node="r9wy7igstcvm" aria-label="Info Box">
1445	<div class="fl-module-content fl-node-content">
1446		<div class="uabb-module-content uabb-infobox infobox-center infobox-has-photo infobox-photo-above-title ">
1447	<div class="uabb-infobox-left-right-wrap">
1448	<div class="uabb-infobox-content">
1449			<div class="uabb-module-content uabb-imgicon-wrap">		
1450					<div class="uabb-image
1451		 uabb-image-crop-simple		" itemscope itemtype="https://schema.org/ImageObject">
1452			<div class="uabb-image-content">
1453				<img decoding="async" width="200" height="200" class="uabb-photo-img wp-image-56970 size-full" src="https://www.incharge.org/wp-content/uploads/2026/03/Step-3.png" alt="Step-3" title="Step-3" itemprop="image" srcset="https://www.incharge.org/wp-content/uploads/2026/03/Step-3.png 200w, https://www.incharge.org/wp-content/uploads/2026/03/Step-3-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2026/03/Step-3-75x75.png 75w, https://www.incharge.org/wp-content/uploads/2026/03/Step-3-45x45.png 45w" sizes="(max-width: 200px) 100v
1453w, 200px" />
1454			</div>
1455		</div>
1456
1457		</div><div class='uabb-infobox-title-wrap'><p class="uabb-infobox-title">Decide What's Best for You</p></div>			<div class="uabb-infobox-text-wrap">
1458				<div class="uabb-infobox-text uabb-text-editor"><p>Explore your available options, including whether a Debt Management Program is right for you.</p>
1459</div>			</div>
1460						</div>	</div>
1461</div>
1462	</div>
1463</div>
1464<div class="fl-module fl-module-advanced-separator fl-node-aqgfmu5vxjlo" data-node="aqgfmu5vxjlo">
1465	<div class="fl-module-content fl-node-content">
1466		
1467<div class="uabb-module-content uabb-separator-parent">
1468
1469			<div class="uabb-separator-wrap uabb-separator-center ">
1470			<div class="uabb-separator-line uabb-side-left">
1471				<span></span>
1472			</div>
1473
1474			<div class="uabb-divider-content uabbi-divider">
1475				<div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1476			<span class="uabb-icon">
1477			<i class="fas fa-clipboard-list" aria-hidden="true"></i>
1478			</span>
1479		</span>
1480	
1481		</div>							</div>
1482
1483			<div class="uabb-separator-line uabb-side-right">
1484				<span></span>
1485			</div> 
1486		</div>
1487	
1488	</div>
1489	</div>
1490</div>
1491<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-6fjt9uphls3k" data-node="6fjt9uphls3k" aria-label="Text Editor">
1492	<p>No obligation</p>
1493</div>
1494</div>
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1503<div class="fl-row fl-row-full-width fl-row-bg-color fl-node-4ajbt29f3izg fl-row-default-height fl-row-align-center background-row" data-node="4ajbt29f3izg">
1504	<div class="fl-row-content-wrap">
1505								<div class="fl-row-content fl-row-fixed-width fl-node-content">
1506		
1507<div class="fl-col-group fl-node-qczbt54i7gyv fl-col-group-custom-width" data-node="qczbt54i7gyv">
1508			<div class="fl-col fl-node-2lujkmvwhyqe fl-col-bg-color fl-col-small" data-node="2lujkmvwhyqe">
1509	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-54rjq2os8n7k" data-node="54rjq2os8n7k" aria-label="Info Box">
1510	<div class="fl-module-content fl-node-content">
1511		<div class="uabb-module-content uabb-infobox infobox-left ">
1512	<div class="uabb-infobox-left-right-wrap">
1513	<div class="uabb-infobox-content">
1514			<div class='uabb-infobox-title-wrap'><h2 class="uabb-infobox-title">How a Debt Management Program Works</h2></div><div class="uabb-infobox-separator"><div class="uabb-module-content uabb-separator-parent">
1515	<div class="uabb-separator"></div>
1516</div>
1517</div>			<div class="uabb-infobox-text-wrap">
1518				<div class="uabb-infobox-text uabb-text-editor"><p>A Debt Management Program consolidates your eligible credit card balances into one monthly payment. InCharge works directly with your creditors to reduce interest rates, which can help you pay off debt faster and with less stress than making minimum payments alone.</p>
1519<p><a href="/debt-relief/debt-management/"><strong>» Learn More About Debt Management Programs </strong></a></p>
1520</div>			</div>
1521						</div>	</div>
1522</div>
1523	</div>
1524</div>
1525</div>
1526</div>
1527			<div class="fl-col fl-node-isv2mf0t4kdb fl-col-bg-color fl-col-small fl-col-small-custom-width fl-col-has-cols" data-node="isv2mf0t4kdb">
1528	<div class="fl-col-content fl-node-content">		
1529<div class="fl-col-group fl-node-sxm3059cabog fl-col-group-nested fl-col-group-equal-height fl-col-group-align-center" data-node="sxm3059cabog">
1530			<div class="fl-col fl-node-q184dthnosm0 fl-col-bg-color" data-node="q184dthnosm0">
1531	<div class="fl-col-content fl-node-content">		<h2  class="fl-module fl-module-heading fl-heading fl-heading-text fl-node-kq3otcxhd4re" data-node="kq3otcxhd4re" aria-label="Heading">
1532			Benefits of a Debt Management Program	</h2>
1533<div class="fl-module fl-module-list-icon fl-node-jdltak61femv" data-node="jdltak61femv" aria-label="List Icon">
1534	<div class="fl-module-content fl-node-content">
1535		
1536<div class="uabb-module-content uabb-list-icon">
1537		<div class="uabb-list-icon-wrap">
1538			<div class="uabb-callout-outter"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1539			<span class="uabb-icon">
1540			<i class="fas fa-check" aria-hidden="true"></i>
1541			</span>
1542		</span>
1543	
1544		</div></div><!-- Inline Block Space Fix
1545		--><div class="uabb-list-icon-text">
1546									<p class="uabb-list-icon-text-heading">One monthly payment</p>
1547							</div>
1548		</div>
1549			<div class="uabb-list-icon-wrap">
1550			<div class="uabb-callout-outter"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1551			<span class="uabb-icon">
1552			<i class="fas fa-check" aria-hidden="true"></i>
1553			</span>
1554		</span>
1555	
1556		</div></div><!-- Inline Block Space Fix
1557		--><div class="uabb-list-icon-text">
1558									<p class="uabb-list-icon-text-heading">Lower interest rates</p>
1559							</div>
1560		</div>
1561			<div class="uabb-list-icon-wrap">
1562			<div class="uabb-callout-outter"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1563			<span class="uabb-icon">
1564			<i class="fas fa-check" aria-hidden="true"></i>
1565			</span>
1566		</span>
1567	
1568		</div></div><!-- Inline Block Space Fix
1569		--><div class="uabb-list-icon-text">
1570									<p class="uabb-list-icon-text-heading">Clear payoff timeline</p>
1571							</div>
1572		</div>
1573			<div class="uabb-list-icon-wrap">
1574			<div class="uabb-callout-outter"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1575			<span class="uabb-icon">
1576			<i class="fas fa-check" aria-hidden="true"></i>
1577			</span>
1578		</span>
1579	
1580		</div></div><!-- Inline Block Space Fix
1581		--><div class="uabb-list-icon-text">
1582									<p class="uabb-list-icon-text-heading">Support that cares</p>
1583							</div>
1584		</div>
1585	</div>
1586	</div>
1587</div>
1588<div  class="fl-module fl-module-html fl-html fl-node-5f67asl2k39q" data-node="5f67asl2k39q">
1589	<div id="Staffed-CTA">
1589<div class="fl-builder-content fl-builder-content-56937 fl-builder-template fl-builder-module-template fl-builder-global-templates-locked" data-post-id="56937"><div class="fl-module fl-module-button fl-node-nsmqyztrpkl4 green-button fl-button-wrap fl-button-width-auto fl-button-center" data-node="nsmqyztrpkl4" aria-label="Button"><a href="tel:8882503547" target="_self" class="fl-button"><span class="fl-button-text">Call Today: (888) 250-3547</span></a></div></div><div class="uabb-js-breakpoint" style="display: none;"></div><link rel='stylesheet' id='fl-builder-layout-50536-css' href='https://www.incharge.org/wp-content/uploads/bb-plugin/cache/50536-layout-partial.css?ver=e4d59fb759b93629a83c020837ec194b' media='all' />
1590<div class="fl-builder-content fl-builder-content-50536 fl-builder-template fl-builder-module-template fl-builder-global-templates-locked" data-post-id="50536"><div id="cta-button" class="fl-module fl-module-button fl-node-615c6ad2761c4" data-node="615c6ad2761c4" aria-label="Button">
1591	<div class="fl-module-content fl-node-content">
1592		<div class="fl-button-wrap fl-button-width-auto fl-button-center"><a href="/debt-help/" target="_self" class="fl-button"><span class="fl-button-text">or Continue Online ></span></a></div>	</div>
1593</div>
1594</div><div class="uabb-js-breakpoint" style="display: none;"></div></div><div id="Afterhours-CTA" style="display: none;"><div class="fl-builder-content fl-builder-content-50534 fl-builder-template fl-builder-module-template fl-builder-global-templates-locked" data-post-id="50534"><div id="cta-button" class="fl-module fl-module-button fl-node-615c6a79d0a8d" data-node="615c6a79d0a8d" aria-label="Button">
1595	<div class="fl-module-content fl-node-content">
1596		<div class="fl-button-wrap fl-button-width-auto fl-button-center"><a href="/debt-help/" target="_self" class="fl-button"><span class="fl-button-text">Explore your Options</span></a></div>	</div>
1597</div>
1598</div><div class="uabb-js-breakpoint" style="display: none;"></div></div></div>
1599</div>
1600</div>
1601	</div>
1602</div>
1603</div>
1604	</div>
1605		</div>
1606	</div>
1607</div>
1608<div class="fl-row fl-row-full-width fl-row-bg-color fl-node-tsc6h2npe3d8 fl-row-default-height fl-row-align-center background-row" data-node="tsc6h2npe3d8">
1609	<div class="fl-row-content-wrap">
1610								<div class="fl-row-content fl-row-fixed-width fl-node-content">
1611		
1612<div class="fl-col-group fl-node-2a3n5bgcm0rf" data-node="2a3n5bgcm0rf">
1613			<div class="fl-col fl-node-w9vs46gkrcf7 fl-col-bg-color" data-node="w9vs46gkrcf7">
1614	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-tm3o08ulxe5h" data-node="tm3o08ulxe5h" aria-label="Info Box">
1615	<div class="fl-module-content fl-node-content">
1616		<div class="uabb-module-content uabb-infobox infobox-center infobox-responsive-center ">
1617	<div class="uabb-infobox-left-right-wrap">
1618	<div class="uabb-infobox-content">
1619			<div class='uabb-infobox-title-wrap'><h2 class="uabb-infobox-title">We help with debt from thousands of creditors, including these companies:</h2></div>		</div>	</div>
1620</div>
1621	</div>
1622</div>
1623<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-0u7zthx3rg69" data-node="0u7zthx3rg69" aria-label="Text Editor">
1624	<p style="text-align: center;"><img decoding="async" class="alignnone size-full wp-image-52015" src="https://www.incharge.org/wp-content/uploads/2026/07/capital-one-logo.png" alt="Capital One Logo" width="84" height="30" />  <img decoding="async" class="alignnone size-full wp-image-52018" src="https://www.incharge.org/wp-content/uploads/2022/08/discover-logo.png" alt="Discover Card Logo" width="182" height="30" /> <img decoding="async" class="alignnone size-full wp-image-52016" src="https://www.incharge.org/wp-content/uploads/2026/07/Chase-logo.png" alt="Chase Logo" width="161" height="30" /> <img decoding="async" class="alignnone size-full wp-image-52017" src="https://www.incharge.org/wp-content/uploads/2026/07/citi-logo.png" alt="Citi Bank Logo" width="117" height="30" /> <img decoding="async" class="alignnone size-full wp-image-52012" src="https://www.incharge.org/wp-content/uploads/2022/08/American-Express-Color.png" alt="American Express Logo" width="109" height="30" /> <img decoding="async" class="alignnone size-full wp-image-52013" src="https://www.incharge.org/wp-content/uploads/2022/08/Bank-of-America-Logo.png" alt="Bank of America Logo" width="217" height="30" /><img decoding="async" class="alignnone size-full wp-image-52019" src="https://www.incharge.org/wp-content/uploads/2022/08/wells-fargo-logo.png" alt="Wells Fargo Logo" width="79" height="30" /> <img decoding="async" class="alignnone size-full wp-image-52014" src="https://www.incharge.org/wp-content/uploads/2022/08/Barclays-Logo.png" alt="Barclays Logo" width="165" height="30" /></p>
1625</div>
1626</div>
1627</div>
1628	</div>
1629		</div>
1630	</div>
1631</div>
1632<div class="fl-row fl-row-full-width fl-row-bg-none fl-node-fmzo2vxw9gsj fl-row-default-height fl-row-align-center fl-visible-desktop fl-visible-large" data-node="fmzo2vxw9gsj">
1633	<div class="fl-row-content-wrap">
1634								<div class="fl-row-content fl-row-full-width fl-node-content">
1635		
1636<div class="fl-col-group fl-node-zdvc0hw7k184" data-node="zdvc0hw7k184">
1637			<div class="fl-col fl-node-at7cu65gwmqs fl-col-bg-color" data-node="at7cu65gwmqs">
1638	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-lhiucyefkz7n" data-node="lhiucyefkz7n" aria-label="Info Box">
1639	<div class="fl-module-content fl-node-content">
1640		<div class="uabb-module-content uabb-infobox infobox-center ">
1641	<div class="uabb-infobox-left-right-wrap">
1642	<div class="uabb-infobox-content">
1643			<div class='uabb-infobox-title-wrap'><h2 class="uabb-infobox-title">What Clients Are Saying</h2></div><div class="uabb-infobox-separator"><div class="uabb-module-content uabb-separator-parent">
1644	<div class="uabb-separator"></div>
1645</div>
1646</div>		</div>	</div>
1647</div>
1648	</div>
1649</div>
1650</div>
1651</div>
1652	</div>
1653
1654<div class="fl-col-group fl-node-9wgbk5uv8d2c fl-col-group-equal-height fl-col-group-align-top" data-node="9wgbk5uv8d2c">
1655			<div class="fl-col fl-node-guhybak9e5q3 fl-col-bg-color fl-col-small fl-col-has-cols" data-node="guhybak9e5q3">
1656	<div class="fl-col-content fl-node-content">		<figure class="fl-module fl-module-photo fl-photo fl-photo-align-left fl-node-rw6qd2f1t7lg" data-node="rw6qd2f1t7lg" aria-label="Photo" itemscope itemtype="https://schema.org/ImageObject">
1657	<div class="fl-photo-content fl-photo-img-png">
1658					<img decoding="async" class="fl-photo-img wp-image-49734 size-full" src="https://www.incharge.org/wp-content/uploads/2020/09/5-Star-Review-large.png" alt="5 Star Review Trust Pilot" height="94" width="500" title="5 Star Review Trust Pilot" loading="lazy" srcset="https://www.incharge.org/wp-content/uploads/2020/09/5-Star-Review-large.png 500w, https://www.incharge.org/wp-content/uploads/2020/09/5-Star-Review-large-300x56.png 300w" sizes="auto, (max-width: 500px) 100v
1658w, 500px" />
1659					</div>
1660	</figure>
1661<div class="fl-module fl-module-info-box fl-node-e1tif8jl5py2" data-node="e1tif8jl5py2" aria-label="Info Box">
1662	<div class="fl-module-content fl-node-content">
1663		<div class="uabb-module-content uabb-infobox infobox-left infobox-has-icon infobox-icon-left ">
1664	<div class="uabb-infobox-left-right-wrap">
1665	<div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1666			<span class="uabb-icon">
1667			<i class="fas fa-quote-left" aria-hidden="true"></i>
1668			</span>
1669		</span>
1670	
1671		</div><div class="uabb-infobox-content">
1672			<div class='uabb-infobox-title-wrap'></div>			<div class="uabb-infobox-text-wrap">
1673				<div class="uabb-infobox-text uabb-text-editor"><p>When illness forced me to move back to Maryland, I relied on every bit of credit I had. After a few months, I could no longer keep up with my payments. InCharge treated me with kindness and no judgment, and helped me enroll in an affordable five-year debt management plan. They reduced my highest interest rate from 27.99% to 1.9% and one card even went to 0%. Two and a half years later, I've paid off 64% of my debt and expect to finish about a year early. Their support has reduced my stress and changed my financial life.</p>
1674<p><strong>– InCharge Client<br /></strong>Verified Trust Pilot Review</p>
1675</div>			</div>
1676						</div>	</div>
1677</div>
1678	</div>
1679</div>
1680<div  class="fl-module fl-module-separator fl-node-newc1kox7psl" data-node="newc1kox7psl">
1681	<div class="fl-separator"></div>
1682</div>
1683<div class="fl-module fl-module-icon fl-node-r6ti7uqhp4om" data-node="r6ti7uqhp4om" aria-label="Icon">
1684	<div class="fl-module-content fl-node-content">
1685		<div class="fl-icon-wrap">
1686	<span class="fl-icon">
1687				<i class="fas fa-percent" aria-hidden="true"></i>
1688					</span>
1689			<div id="fl-icon-text-r6ti7uqhp4om" class="fl-icon-text fl-icon-text-wrap">
1690						<p><strong>Interest reduced from 27.99% to 1.9%</strong></p>					</div>
1691	</div>
1692	</div>
1693</div>
1694
1695<div class="fl-col-group fl-node-452pqxt0vuks fl-col-group-nested" data-node="452pqxt0vuks">
1696										</div>
1697</div>
1698</div>
1699			<div class="fl-col fl-node-fli3hsoabnj1 fl-col-bg-color fl-col-small fl-col-has-cols" data-node="fli3hsoabnj1">
1700	<div class="fl-col-content fl-node-content">		<figure class="fl-module fl-module-photo fl-photo fl-photo-align-left fl-node-z0eugqwbk5rf" data-node="z0eugqwbk5rf" aria-label="Photo" itemscope itemtype="https://schema.org/ImageObject">
1701	<div class="fl-photo-content fl-photo-img-png">
1702					<img decoding="async" class="fl-photo-img wp-image-49734 size-full" src="https://www.incharge.org/wp-content/uploads/2020/09/5-Star-Review-large.png" alt="5 Star Review Trust Pilot" height="94" width="500" title="5 Star Review Trust Pilot" loading="lazy" srcset="https://www.incharge.org/wp-content/uploads/2020/09/5-Star-Review-large.png 500w, https://www.incharge.org/wp-content/uploads/2020/09/5-Star-Review-large-300x56.png 300w" sizes="auto, (max-width: 500px) 100v
1702w, 500px" />
1703					</div>
1704	</figure>
1705<div class="fl-module fl-module-info-box fl-node-fnw7br82ljg1" data-node="fnw7br82ljg1" aria-label="Info Box">
1706	<div class="fl-module-content fl-node-content">
1707		<div class="uabb-module-content uabb-infobox infobox-left infobox-has-icon infobox-icon-left ">
1708	<div class="uabb-infobox-left-right-wrap">
1709	<div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1710			<span class="uabb-icon">
1711			<i class="fas fa-quote-left" aria-hidden="true"></i>
1712			</span>
1713		</span>
1714	
1715		</div><div class="uabb-infobox-content">
1716			<div class='uabb-infobox-title-wrap'></div>			<div class="uabb-infobox-text-wrap">
1717				<div class="uabb-infobox-text uabb-text-editor"><p>I accumulated more than $30,000 in debt while buying my home and everything that came with it. Even though I made my payments every month, my balances weren't going down and I felt stuck. InCharge negotiated lower interest rates, combined all four accounts into one monthly payment, and handled everything with my creditors. Nearly two years later, I've paid off almost half of my debt. Without InCharge, I think I'd still be paying it off for years to come.</p>
1718<p><strong>– InCharge Client<br /></strong>Verified Trust Pilot Review</p>
1719</div>			</div>
1720						</div>	</div>
1721</div>
1722	</div>
1723</div>
1724<div  class="fl-module fl-module-separator fl-node-r8onaks3v7xy" data-node="r8onaks3v7xy">
1725	<div class="fl-separator"></div>
1726</div>
1727<div class="fl-module fl-module-icon fl-node-b9yj7dk5tfes" data-node="b9yj7dk5tfes" aria-label="Icon">
1728	<div class="fl-module-content fl-node-content">
1729		<div class="fl-icon-wrap">
1730	<span class="fl-icon">
1731				<i class="fas fa-credit-card" aria-hidden="true"></i>
1732					</span>
1733			<div id="fl-icon-text-b9yj7dk5tfes" class="fl-icon-text fl-icon-text-wrap">
1734						<p><strong>4 accounts simplified into 1 monthly payment</strong></p>					</div>
1735	</div>
1736	</div>
1737</div>
1738
1739<div class="fl-col-group fl-node-5m1n8zhdejux fl-col-group-nested" data-node="5m1n8zhdejux">
1740										</div>
1741</div>
1742</div>
1743			<div class="fl-col fl-node-hcia25zfjlt1 fl-col-bg-color fl-col-small fl-col-has-cols" data-node="hcia25zfjlt1">
1744	<div class="fl-col-content fl-node-content">		<figure class="fl-module fl-module-photo fl-photo fl-photo-align-left fl-node-yv3q8hukg75m" data-node="yv3q8hukg75m" aria-label="Photo" itemscope itemtype="https://schema.org/ImageObject">
1745	<div class="fl-photo-content fl-photo-img-png">
1746					<img decoding="async" class="fl-photo-img wp-image-49734 size-full" src="https://www.incharge.org/wp-content/uploads/2020/09/5-Star-Review-large.png" alt="5 Star Review Trust Pilot" height="94" width="500" title="5 Star Review Trust Pilot" loading="lazy" srcset="https://www.incharge.org/wp-content/uploads/2020/09/5-Star-Review-large.png 500w, https://www.incharge.org/wp-content/uploads/2020/09/5-Star-Review-large-300x56.png 300w" sizes="auto, (max-width: 500px) 100v
1746w, 500px" />
1747					</div>
1748	</figure>
1749<div class="fl-module fl-module-info-box fl-node-tjusm97g0vbk" data-node="tjusm97g0vbk" aria-label="Info Box">
1750	<div class="fl-module-content fl-node-content">
1751		<div class="uabb-module-content uabb-infobox infobox-left infobox-has-icon infobox-icon-left ">
1752	<div class="uabb-infobox-left-right-wrap">
1753	<div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
1754			<span class="uabb-icon">
1755			<i class="fas fa-quote-left" aria-hidden="true"></i>
1756			</span>
1757		</span>
1758	
1759		</div><div class="uabb-infobox-content">
1760			<div class='uabb-infobox-title-wrap'></div>			<div class="uabb-infobox-text-wrap">
1761				<div class="uabb-infobox-text uabb-text-editor"><p>I'm halfway through a four-year debt management plan, and InCharge made enrollment easy by working directly with my creditors. The fear, panic, and shame of carrying so much debt has been replaced with a steady, manageable path toward financial health. Every interaction from the emails to the agents to the online account tools has been thoughtful and well done.</p>
1762<p><strong>– InCharge Client<br /></strong>Verified Trust Pilot Review</p>
1763</div>			</div>
1764						</div>	</div>
1765</div>
1766	</div>
1767</div>
1768<div  class="fl-module fl-module-separator fl-node-ral9zpvk1yqb" data-node="ral9zpvk1yqb">
1769	<div class="fl-separator"></div>
1770</div>
1771<div class="fl-module fl-module-icon fl-node-2h15wo0b4z9v" data-node="2h15wo0b4z9v" aria-label="Icon">
1772	<div class="fl-module-content fl-node-content">
1773		<div class="fl-icon-wrap">
1774	<span class="fl-icon">
1775				<i class="fas fa-hand-holding-heart" aria-hidden="true"></i>
1776					</span>
1777			<div id="fl-icon-text-2h15wo0b4z9v" class="fl-icon-text fl-icon-text-wrap">
1778						<p><strong>Financial peace of mind</strong></p>					</div>
1779	</div>
1780	</div>
1781</div>
1782
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1815			<div class='uabb-infobox-title-wrap'><h2 class="uabb-infobox-title">What Clients Are Saying</h2></div><div class="uabb-infobox-separator"><div class="uabb-module-content uabb-separator-parent">
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1837								<h3 class="uabb-testimonial-author-name testimonial-author-namei7zdeob4aly6">InCharge Client</h3>								<div class="uabb-testimonial-author-designation testimonial-author-designationi7zdeob4aly6">
1838									Verified Trustpilot Review								</div>
1839								<div class="uabb-rating" role="img" aria-label="5 out of 5 stars">
1840							<div class="uabb-rating__wrap"><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i></div>
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1843						<div class="uabb-testimonial-author-description uabb-text-editor testimonial-author-descriptioni7zdeob4aly6">
1844							<p>When illness forced me to move back to Maryland, I relied on every bit of credit I had. After a few months, I could no longer keep up with my payments. InCharge treated me with kindness and no judgment, and helped me enroll in an affordable five-year debt management plan. They reduced my highest interest rate from 27.99% to 1.9% and one card even went to 0%. Two and a half years later, I've paid off 64% of my debt and expect to finish about a year early. Their support has reduced my stress and changed my financial life.</p>						</div>
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1852								<h3 class="uabb-testimonial-author-name testimonial-author-namei7zdeob4aly6">InCharge Client</h3>								<div class="uabb-testimonial-author-designation testimonial-author-designationi7zdeob4aly6">
1853									Verified Trustpilot Review								</div>
1854								<div class="uabb-rating" role="img" aria-label="5 out of 5 stars">
1855							<div class="uabb-rating__wrap"><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i></div>
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1859							<p>I accumulated more than $30,000 in debt while buying my home and everything that came with it. Even though I made my payments every month, my balances weren't going down and I felt stuck. InCharge negotiated lower interest rates, combined all four accounts into one monthly payment, and handled everything with my creditors. Nearly two years later, I've paid off almost half of my debt. Without InCharge, I think I'd still be paying it off for years to come.</p>						</div>
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1867								<h3 class="uabb-testimonial-author-name testimonial-author-namei7zdeob4aly6">InCharge Client</h3>								<div class="uabb-testimonial-author-designation testimonial-author-designationi7zdeob4aly6">
1868									Verified Trustpilot Review								</div>
1869								<div class="uabb-rating" role="img" aria-label="5 out of 5 stars">
1870							<div class="uabb-rating__wrap"><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i><span class="screen-reader-text filled-star">Filled star</span><i class=" uabb-rating__ico fas fa-star" aria-hidden="true" aria-label="Filled star"></i></div>
1871						</div>							</div>
1872							
1873						<div class="uabb-testimonial-author-description uabb-text-editor testimonial-author-descriptioni7zdeob4aly6">
1874							<p>I'm halfway through a four-year debt management plan, and InCharge made enrollment easy by working directly with my creditors. The fear, panic, and shame of carrying so much debt has been replaced with a steady, manageable path toward financial health. Every interaction from the emails to the agents to the online account tools has been thoughtful and well done.</p>						</div>
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1890	
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1892<p style="text-align:center">TrustPilot Reviews</p>
1893<div class="trustpilot-widget" data-locale="en-US" data-template-id="5419b6ffb0d04a076446a9af" data-businessunit-id="5995a2310000ff0005a911a5" data-style-height="20px" data-style-width="100%" data-theme="light">
1894  <a href="https://www.trustpilot.com/review/incharge.org" target="_blank" rel="noopener">Trustpilot</a>
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1915	<div class="uabb-infobox-content">
1916			<div class='uabb-infobox-title-wrap'><h2 class="uabb-infobox-title">The Kristi Adams Story</h2></div><div class="uabb-infobox-separator"><div class="uabb-module-content uabb-separator-parent">
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1918</div>
1919</div>			<div class="uabb-infobox-text-wrap">
1920				<div class="uabb-infobox-text uabb-text-editor"><p class="p1"><span class="s1">Changing lives is our mission </span><span class="s2">at </span><span class="s1">InCharge,</span><span class="s1"> and the lives of people like Kristi is what our mission is all about at InCharge. Every one of our client's stories are important and impactful to not just us, but to inspire others like her. </span></p>
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1922<div class="uabb-module-content uabb-button-wrap uabb-creative-button-wrap uabb-button-width-auto uabb-creative-button-width-auto uabb-button-center uabb-creative-button-center">
1923			<a href="/debt-relief/credit-counseling/success-stories/" title="More client stories" target="_self"  class="uabb-button  uabb-creative-button uabb-creative-flat-btn  uabb-none-btn  "  role="button" aria-label="More client stories">
1924							<span class="uabb-button-text uabb-creative-button-text">More client stories</span>
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1941	<div class="fl-col-content fl-node-content">		<div  class="fl-module fl-module-video fl-node-gyvd9buape2h" data-node="gyvd9buape2h" aria-label="Video">
1942	<div class="fl-video fl-embed-video" itemscope itemtype="https://schema.org/VideoObject">
1943		<meta itemprop="name" content="Kristi Adams - InCharge Success Story" /><meta itemprop="uploadDate" content="2022-04-11T00:00:00+00:00" /><meta itemprop="thumbnailUrl" content="https://www.incharge.org/wp-content/uploads/2022/08/Kristi_Adams.png" /><meta itemprop="description" content=" Imagine being $58,000 in debt, now imagine paying it off in only 3 years! When a series of bad spending habits put Kristi and her family in a financial jeopardy. Then, she made a decision to put an end to it, and with InCharge&#039;s Debt Management Program Kristi was able to make that debt free dream a reality. " /><meta itemprop="contentUrl" content="https://player.vimeo.com/video/672329368?h=64e4c72296&amp;;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479" /><meta itemprop="embedUrl" content="https://player.vimeo.com/video/672329368?h=64e4c72296&amp;;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479" /><iframe data-placeholder-image="https://www.incharge.org/wp-content/uploads/complianz/placeholders/youtubeqz791j4NiB0-maxresdefault.webp" data-category="marketing" data-service="youtube" class="cmplz-placeholder-element cmplz-iframe cmplz-iframe-styles cmplz-video " data-cmplz-target="src" data-src-cmplz="https://www.youtube.com/embed/qz791j4NiB0?si=aNymsDoeNUykuCFX-&rel=0"  src="about:blank"  title="
1944Kristi's story: How I paid off $58,000 in debt in 3 years with InCh
1944arge" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe>	</div>
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1966			<div class='uabb-infobox-title-wrap'><h2 class="uabb-infobox-title">Why Choose InCharge?</h2></div><div class="uabb-infobox-separator"><div class="uabb-module-content uabb-separator-parent">
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1970				<div class="uabb-infobox-text uabb-text-editor"><div class="line_two">InCharge Debt Solutions, a leading nonprofit organization, offers free and impartial debt relief solutions to consumers struggling with credit card or other unsecured debt.  If you feel overwhelmed by debt, call a certified credit counselor or get started online for a free analysis of your financial situation. Below are many available programs that are all here to help you in your time of need.</div>
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1987		<span class="uabb-number-before-text">TOTAL DEBT PAID OFF</span><div class="uabb-default-left-title-wrap" ><span class="uabb-number-string">$<span class="uabb-number-int">0</span> Billion</span></div>
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2000		<span class="uabb-number-before-text">PEOPLE HELPED</span><div class="uabb-default-left-title-wrap" ><span class="uabb-number-string"><span class="uabb-number-int">0</span> Million</span></div>
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2013		<span class="uabb-number-before-text">COUNSELING SESSIONS IN 2025</span><div class="uabb-default-left-title-wrap" ><span class="uabb-number-string"><span class="uabb-number-int">0</span></span></div>
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2026		<span class="uabb-number-before-text">DEBT REPAID IN 2025</span><div class="uabb-default-left-title-wrap" ><span class="uabb-number-string">$<span class="uabb-number-int">0</span> Million</span></div>
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2037	<div class="fl-col-content fl-node-content">		<div  class="fl-module fl-module-video fl-node-f1hln76t9rzs" data-node="f1hln76t9rzs" aria-label="Video">
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2039		<iframe data-placeholder-image="https://www.incharge.org/wp-content/uploads/complianz/placeholders/youtubeS3cERJtytgM-maxresdefault.webp" data-category="marketing" data-service="youtube" class="cmplz-placeholder-element cmplz-iframe cmplz-iframe-styles cmplz-video " data-cmplz-target="src" data-src-cmplz="https://www.youtube.com/embed/S3cERJtytgM?si=RA693RynaWV5A2Hq&rel=0"  src="about:blank"  title="The People Behind InCharge Debt Solutions" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe>	</div>
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2043			<div class="fl-col fl-node-36194vaiosh2 fl-col-bg-color fl-col-small" data-node="36194vaiosh2">
2044	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-info-box fl-node-vstck41y9hul" data-node="vstck41y9hul" aria-label="Info Box">
2045	<div class="fl-module-content fl-node-content">
2046		<div class="uabb-module-content uabb-infobox infobox-left ">
2047	<div class="uabb-infobox-left-right-wrap">
2048	<div class="uabb-infobox-content">
2049			<div class='uabb-infobox-title-wrap'><h2 class="uabb-infobox-title">Meet the People Behind InCharge</h2></div><div class="uabb-infobox-separator"><div class="uabb-module-content uabb-separator-parent">
2050	<div class="uabb-separator"></div>
2051</div>
2052</div>			<div class="uabb-infobox-text-wrap">
2053				<div class="uabb-infobox-text uabb-text-editor"><p class="p1">What makes InCharge special isn’t just the services we provide. It’s the experienced, compassionate people behind them. Hear from our CEO about the team that’s here to help you improve your financial well-being.</p>
2054</div><div class="uabb-infobox-button">
2055<div class="uabb-module-content uabb-button-wrap uabb-creative-button-wrap uabb-button-width-auto uabb-creative-button-width-auto uabb-button-center uabb-creative-button-center">
2056			<a href="/about-us/team/" title="Our leadership team" target="_self"  class="uabb-button  uabb-creative-button uabb-creative-flat-btn  uabb-none-btn  "  role="button" aria-label="Our leadership team">
2057							<span class="uabb-button-text uabb-creative-button-text">Our leadership team</span>
2058							
2059						
2060		</a>
2061	</div>
2062
2063
2064
2065
2066</div>			</div>
2067						</div>	</div>
2068</div>
2069	</div>
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2071</div>
2072</div>
2073	</div>
2074		</div>
2075	</div>
2076</div>
2077<div class="fl-row fl-row-full-width fl-row-bg-color fl-node-614902ca2c5ef fl-row-default-height fl-row-align-center" data-node="614902ca2c5ef">
2078	<div class="fl-row-content-wrap">
2079								<div class="fl-row-content fl-row-fixed-width fl-node-content">
2080		
2081<div class="fl-col-group fl-node-614902ca2c5f0 fl-col-group-equal-height fl-col-group-align-top" data-node="614902ca2c5f0">
2082			<div class="fl-col fl-node-614902ca2c5f1 fl-col-bg-color fl-col-small" data-node="614902ca2c5f1">
2083	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-614902ca2c600" data-node="614902ca2c600">
2084	<div class="fl-module-content fl-node-content">
2085		
2086<div class="uabb-module-content adv-icon-wrap adv-icon-horizontal adv-icon-center">
2087<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
2088			<span class="uabb-icon">
2089			<i class="fas fa-credit-card" aria-hidden="true"></i>
2090			</span>
2091		</span>
2092	
2093		</div></div></div>
2094	</div>
2095</div>
2096<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-614902ca2c5fb" data-node="614902ca2c5fb" aria-label="Text Editor">
2097	<h2><a href="https://www.incharge.org/debt-relief/credit-counseling/">Credit Counseling Program</a></h2>
2098<p>We’ll pull your credit report to see how much debt you have (this gives us accurate, up-to-date balances and is a “soft pull” which will not affect your credit score). We’ll diagnose your situation and provide you with a range of debt relief options. One debt relief solution may be a debt management plan; another may be bankruptcy. Call (800) 565-8953 to speak with a certified credit counselor or <a href="/debt-help/">Start online credit counseling</a>.</p>
2099</div>
2100<div class="fl-module fl-module-button fl-node-614902ca2c5fc fl-button-wrap fl-button-width-auto fl-button-center" data-node="614902ca2c5fc" aria-label="Button"><a href="/debt-relief/credit-counseling/" target="_self" class="fl-button fl-button-icon-animation"><span class="fl-button-text">Credit Counseling</span></a></div></div>
2101</div>
2102			<div class="fl-col fl-node-614902ca2c5f5 fl-col-bg-color fl-col-small" data-node="614902ca2c5f5">
2103	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-614902ca2c5fe" data-node="614902ca2c5fe">
2104	<div class="fl-module-content fl-node-content">
2105		
2106<div class="uabb-module-content adv-icon-wrap adv-icon-horizontal adv-icon-center">
2107<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
2108			<span class="uabb-icon">
2109			<i class="fas fa-chart-bar" aria-hidden="true"></i>
2110			</span>
2111		</span>
2112	
2113		</div></div></div>
2114	</div>
2115</div>
2116<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-614902ca2c5f6" data-node="614902ca2c5f6" aria-label="Text Editor">
2117	<h2><a href="/debt-relief/debt-management/">Debt Management Programs</a></h2>
2118<p>We work with your creditors to get you debt relief now, in the form of lower interest rates, waived credit card fees and lower credit card monthly payments. With more of your monthly payment going toward debt balance, you can dramatically lessen the time it takes to become debt free. Find out if you qual
2118ify for our debt management program.</p>
2119</div>
2120<div class="fl-module fl-module-button fl-node-614902ca2c5fa fl-button-wrap fl-button-width-auto fl-button-center" data-node="614902ca2c5fa" aria-label="Button"><a href="/debt-relief/debt-management/" target="_self" class="fl-button fl-button-icon-animation"><span class="fl-button-text">Debt Management Programs</span></a></div></div>
2121</div>
2122			<div class="fl-col fl-node-614902ca2c5f2 fl-col-bg-color fl-col-small" data-node="614902ca2c5f2">
2123	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-614902ca2c5fd" data-node="614902ca2c5fd">
2124	<div class="fl-module-content fl-node-content">
2125		
2126<div class="uabb-module-content adv-icon-wrap adv-icon-horizontal adv-icon-center">
2127<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
2128			<span class="uabb-icon">
2129			<i class="fas fa-chart-pie" aria-hidden="true"></i>
2130			</span>
2131		</span>
2132	
2133		</div></div></div>
2134	</div>
2135</div>
2136<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-614902ca2c5f3" data-node="614902ca2c5f3" aria-label="Text Editor">
2137	<h2><a href="https://www.incharge.org/debt-relief/debt-consolidation/free-debt-credit-consolidation/">Debt Consolidation Programs</a></h2>
2138<p>One of the most popular features of our debt management plan is debt consolidation. Paying multiple creditors – each with different due dates – can be time consuming and stress inducing. Our free <a href="https://www.incharge.org/debt-relief/debt-consolidation/free-debt-credit-consolidation/">credit consolidation</a> helps you pay back your credit card debt faster than making minimum payments on your own.</p>
2139</div>
2140<div class="fl-module fl-module-button fl-node-614902ca2c5f9 fl-button-wrap fl-button-width-auto fl-button-center" data-node="614902ca2c5f9" aria-label="Button"><a href="/debt-relief/debt-consolidation/" target="_self" class="fl-button fl-button-icon-animation"><span class="fl-button-text">Debt Consolidation</span></a></div></div>
2141</div>
2142	</div>
2143		</div>
2144	</div>
2145</div>
2146<div class="fl-row fl-row-full-width fl-row-bg-color fl-node-614b4e7e4ab8f fl-row-default-height fl-row-align-center" data-node="614b4e7e4ab8f">
2147	<div class="fl-row-content-wrap">
2148								<div class="fl-row-content fl-row-fixed-width fl-node-content">
2149		
2150<div class="fl-col-group fl-node-614b4e7e4ad5f fl-col-group-equal-height fl-col-group-align-top" data-node="614b4e7e4ad5f">
2151			<div class="fl-col fl-node-6gzhosk520rc fl-col-bg-color fl-col-small" data-node="6gzhosk520rc">
2152	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-qo71uifc0bld" data-node="qo71uifc0bld">
2153	<div class="fl-module-content fl-node-content">
2154		
2155<div class="uabb-module-content adv-icon-wrap adv-icon-horizontal adv-icon-center">
2156<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
2157			<span class="uabb-icon">
2158			<i class="fas fa-wallet" aria-hidden="true"></i>
2159			</span>
2160		</span>
2161	
2162		</div></div></div>
2163	</div>
2164</div>
2165<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-b0iew5rh1alx" data-node="b0iew5rh1alx" aria-label="Text Editor">
2166	<h2><a href="/debt-relief/credit-card-debt-forgiveness/">Credit Card Debt Forgiveness</a></h2>
2167<p>Also known as the Less Than Full Balance Program, the Credit Card Debt Forgiveness Program allows you to pay less than what you owe. It works by creating a 36-month repayment plan. The monthly payment is fixed at a fraction of your current bill. You make 36 consecutive payments and the remaining credit card balance is forgiven.</p>
2168</div>
2169<div class="fl-module fl-module-button fl-node-tf6d3vu41pmj fl-button-wrap fl-button-width-auto fl-button-center" data-node="tf6d3vu41pmj" aria-label="Button"><a href="/debt-relief/credit-card-debt-forgiveness/" target="_self" class="fl-button fl-button-icon-animation"><span class="fl-button-text">Credit Card Debt Forgiveness</span></a></div></div>
2170</div>
2171			<div class="fl-col fl-node-614b4e7e4ad64 fl-col-bg-color fl-col-small" data-node="614b4e7e4ad64">
2172	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-614b4e7e4ad65" data-node="614b4e7e4ad65">
2173	<div class="fl-module-content fl-node-content">
2174		
2175<div class="uabb-module-content adv-icon-wrap adv-icon-horizontal adv-icon-center">
2176<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
2177			<span class="uabb-icon">
2178			<i class="fas fa-balance-scale" aria-hidden="true"></i>
2179			</span>
2180		</span>
2181	
2182		</div></div></div>
2183	</div>
2184</div>
2185<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-614b4e7e4ad66" data-node="614b4e7e4ad66" aria-label="Text Editor">
2186	<h2><a href="https://www.personalfinanceeducation.com/">Bankruptcy Counseling</a></h2>
2187<p>Before filing bankruptcy, you must complete a pre-filing credit counseling session; also you must complete a Debtor Education course before your bankruptcy case is discharged (both are mandated by U.S. bankruptcy code) . InCharge offers both pre-file credit counseling and pre-discharge debtor education. Visit <a href="https://www.personalfinanceeducation.com/">www.personalfinanceeducation.com</a>.</p>
2188</div>
2189<div class="fl-module fl-module-button fl-node-614b4e7e4ad67 fl-button-wrap fl-button-width-auto fl-button-center" data-node="614b4e7e4ad67" aria-label="Button"><a href="https://www.personalfinanceeducation.com/" target="_self" class="fl-button fl-button-icon-animation"><span class="fl-button-text">Bankruptcy</span></a></div></div>
2190</div>
2191			<div class="fl-col fl-node-614b4e7e4ad68 fl-col-bg-color fl-col-small" data-node="614b4e7e4ad68">
2192	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-614b4e7e4ad69" data-node="614b4e7e4ad69">
2193	<div class="fl-module-content fl-node-content">
2194		
2195<div class="uabb-module-content adv-icon-wrap adv-icon-horizontal adv-icon-center">
2196<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
2197			<span class="uabb-icon">
2198			<i class="fas fa-home" aria-hidden="true"></i>
2199			</span>
2200		</span>
2201	
2202		</div></div></div>
2203	</div>
2204</div>
2205<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-614b4e7e4ad6a" data-node="614b4e7e4ad6a" aria-label="Text Editor">
2206	<h2><a href="/housing/">Housing Counseling</a></h2>
2207<p>InCharge is a <a href="/housing/hud-approved-housing-counseling/">HUD-Approved Counseling Agency</a>, and we can help you resolve your housing problems. We provide an impartial analysis of your housing situation. Our counselors can help you enroll in federal, state and local <a href="/housing/foreclosure-prevention/">foreclosure prevention programs</a>. InCharge Housing Counseling also offers <a href="https://www.hometrek.org/">homebuyer education</a>, online, over the phone and in person in our Orlando office.</p>
2208</div>
2209<div class="fl-module fl-module-button fl-node-614b4e7e4ad6b fl-button-wrap fl-button-width-auto fl-button-center" data-node="614b4e7e4ad6b" aria-label="Button"><a href="/housing/" target="_self" class="fl-button fl-button-icon-animation"><span class="fl-button-text">Housing Counseling</span></a></div></div>
2210</div>
2211	</div>
2212		</div>
2213	</div>
2214</div>
2215<div class="fl-row fl-row-full-width fl-row-bg-color fl-node-xjfescirt8o6 fl-row-default-height fl-row-align-center" data-node="xjfescirt8o6">
2216	<div class="fl-row-content-wrap">
2217								<div class="fl-row-content fl-row-fixed-width fl-node-content">
2218		
2219<div class="fl-col-group fl-node-cmvretxnlg30 fl-col-group-equal-height fl-col-group-align-top" data-node="cmvretxnlg30">
2220			<div class="fl-col fl-node-614b4e7e4ad60 fl-col-bg-color fl-col-small" data-node="614b4e7e4ad60">
2221	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-614b4e7e4ad61" data-node="614b4e7e4ad61">
2222	<div class="fl-module-content fl-node-content">
2223		
2224<div class="uabb-module-content adv-icon-wrap adv-icon-horizontal adv-icon-center">
2225<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
2226			<span class="uabb-icon">
2227			<i class="fas fa-laptop-house" aria-hidden="true"></i>
2228			</span>
2229		</span>
2230	
2231		</div></div></div>
2232	</div>
2233</div>
2234<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-614b4e7e4ad62" data-node="614b4e7e4ad62" aria-label="Text Editor">
2235	<h2><a href="https://www.hometrek.org/"> HomeTrek </a></h2>
2236<p>Learn how to become a homeowner with HomeTrek, our online homebuyer education course. HomeTrek covers it all: getting your finances mortgage-ready, how much house you can truly afford, how to make an offer, negotiate your deal and maintain your home after closing. This course is recommended for all first-time homebuyers and may assist with qualifying for a downpayment assistance program.</p>
2237</div>
2238<div class="fl-module fl-module-button fl-node-614b4e7e4ad63 fl-button-wrap fl-button-width-auto fl-button-center" data-node="614b4e7e4ad63" aria-label="Button"><a href="https://www.hometrek.org/" target="_self" class="fl-button fl-button-icon-animation"><span class="fl-button-text">Homebuyer Education Course</span></a></div></div>
2239</div>
2240			<div class="fl-col fl-node-45ekq7g32jt8 fl-col-bg-color fl-col-small" data-node="45ekq7g32jt8">
2241	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-1zpekvy3tx8s" data-node="1zpekvy3tx8s">
2242	<div class="fl-module-content fl-node-content">
2243		
2244<div class="uabb-module-content adv-icon-wrap adv-icon-horizontal adv-icon-center">
2245<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
2246			<span class="uabb-icon">
2247			<i class="fas fa-house-damage" aria-hidden="true"></i>
2248			</span>
2249		</span>
2250	
2251		</div></div></div>
2252	</div>
2253</div>
2254<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-vemura3wqp2z" data-node="vemura3wqp2z" aria-label="Text Editor">
2255	<h2><a href="/housing/foreclosure-prevention/">Foreclosure Prevention Counseling</a></h2>
2256<p>If you are at risk of foreclosure, learn about your options here. Our housing counselors will review your financial situation and create an action plan that includes a foreclosure prevention package. Solutions may include forbearance or a loan modification. If a loan modification is your best option, our counselors can help with the application process.</p>
2257</div>
2258<div class="fl-module fl-module-button fl-node-vawzicko478p fl-button-wrap fl-button-width-auto fl-button-center" data-node="vawzicko478p" aria-label="Button"><a href="/housing/foreclosure-prevention/" target="_self" class="fl-button fl-button-icon-animation"><span class="fl-button-text">Foreclosure Prevention</span></a></div></div>
2259</div>
2260			<div class="fl-col fl-node-ds3qrtkh5fzl fl-col-bg-color fl-col-small" data-node="ds3qrtkh5fzl">
2261	<div class="fl-col-content fl-node-content">		<div class="fl-module fl-module-advanced-icon fl-node-nmuhl10zkx9f" data-node="nmuhl10zkx9f">
2262	<div class="fl-module-content fl-node-content">
2263		
2264<div class="uabb-module-content adv-icon-wrap adv-icon-horizontal adv-icon-center">
2265<div class="adv-icon-link adv-icon-1"><div class="uabb-module-content uabb-imgicon-wrap">				<span class="uabb-icon-wrap">
2266			<span class="uabb-icon">
2267			<i class="fas fa-file-invoice-dollar" aria-hidden="true"></i>
2268			</span>
2269		</span>
2270	
2271		</div></div></div>
2272	</div>
2273</div>
2274<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-t26mq70kpgv4" data-node="t26mq70kpgv4" aria-label="Text Editor">
2275	<h2><a href="/housing/eviction/">Eviction Prevention Help</a></h2>
2276<p>During COVID-19, the government funded rental assistance programs to help tenants in danger of eviction. InCharge offers guidance on where to find these programs as well as additional resources. From help with rental payments, to utilities, legal assistance, food banks, and employment opportunities, we can help you find the assistance you need. To get started call <a href="tel:8667213925">(866) 721-3925</a>.</p>
2277</div>
2278<div class="fl-module fl-module-button fl-node-k1sl9p5h73mg fl-button-wrap fl-button-width-auto fl-button-center" data-node="k1sl9p5h73mg" aria-label="Button"><a href="/housing/eviction/" target="_self" class="fl-button fl-button-icon-animation"><span class="fl-button-text">Eviction Help</span></a></div></div>
2279</div>
2280	</div>
2281		</div>
2282	</div>
2283</div>
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2309		<h2 class="fl-cta-title">Too Much Debt? Consolidate Debt in Minutes</h2>
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2313		<div class="fl-button-wrap fl-button-width-full"><a href="/debt-help/" target="_self" class="fl-button"><span class="fl-button-text">Become Debt Free</span></a></div>	</div>
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2330			RECENT ARTICLES 	</h3>
2331<div class="fl-module fl-module-post-grid fl-node-614256eab835c" data-node="614256eab835c" aria-label="Posts">
2332	<div class="fl-module-content fl-node-content">
2333			<div class="fl-post-feed" itemscope="itemscope" itemtype="https://schema.org/Blog">
2334	<div class="fl-post-feed-post fl-post-align-default post-57945 page type-page status-publish has-post-thumbnail hentry category-debt-relief" itemscope itemtype="https://schema.org/CreativeWork">
2335
2336	<meta itemscope itemprop="mainEntityOfPage" itemtype="https://schema.org/WebPage" itemid="https://www.incharge.org/debt-relief/how-to-stop-wage-garnishment/" content="How to Stop a Wage Garnishment" /><meta itemprop="datePublished" content="2026-09-15" /><meta itemprop="dateModified" content="2026-09-15" /><div itemprop="publisher" itemscope itemtype="https://schema.org/Organization"><meta itemprop="name" content="InCharge Debt Solutions"></div><div itemscope itemprop="author" itemtype="https://schema.org/Person"><meta itemprop="url" content="https://www.incharge.org/blog/author/jlevy/" /><meta itemprop="name" content="Jason Levy" /></div><div itemscope itemprop="image" itemtype="https://schema.org/ImageObject"><meta itemprop="url" content="https://www.incharge.org/wp-content/uploads/2026/09/how-to-stop-wage-garnishment.jpg" /><meta itemprop="width" content="600" /><meta itemprop="height" content="400" /></div><div itemprop="interactionStatistic" itemscope itemtype="https://schema.org/InteractionCounter"><meta itemprop="interactionType" content="https://schema.org/CommentAction" /><meta itemprop="userInteractionCount" content="0" /></div>	
2337		<div class="fl-post-feed-text">
2338	
2339		<div class="fl-post-feed-header">
2340
2341			<h2 class="fl-post-feed-title" itemprop="headline">
2342				<a href="https://www.incharge.org/debt-relief/how-to-stop-wage-garnishment/" rel="bookmark" title="How to Stop a Wage Garnishment">How to Stop a Wage Garnishment</a>
2343			</h2>
2344
2345			
2346						<div class="fl-post-feed-meta">
2347																		<span class="fl-post-feed-date">
2348						September 15, 2026					</span>
2349											</div>
2350			
2351			
2352			
2353		</div>
2354
2355	
2356	
2357	
2358		
2359		
2360		
2361	</div>
2362
2363	<div class="fl-clear"></div>
2364</div>
2365<div class="fl-post-feed-post fl-post-align-default post-57857 page type-page status-publish has-post-thumbnail hentry category-debt-management tag-master" itemscope itemtype="https://schema.org/CreativeWork">
2366
2367	<meta itemscope itemprop="mainEntityOfPage" itemtype="https://schema.org/WebPage" itemid="https://www.incharge.org/debt-relief/debt-management/who-qualifies-for-a-dmp/" content="Debt Management Program Eligibility &#038; Requirements" /><meta itemprop="datePublished" content="2026-09-15" /><meta itemprop="dateModified" content="2026-09-15" /><div itemprop="publisher" itemscope itemtype="https://schema.org/Organization"><meta itemprop="name" content="InCharge Debt Solutions"></div><div itemscope itemprop="author" itemtype="https://schema.org/Person"><meta itemprop="url" content="https://www.incharge.org/blog/author/jlevy/" /><meta itemprop="name" content="Jason Levy" /></div><div itemscope itemprop="image" itemtype="https://schema.org/ImageObject"><meta itemprop="url" content="https://www.incharge.org/wp-content/uploads/2026/09/debt-management-plan-requirements.jpg" /><meta itemprop="width" content="600" /><meta itemprop="height" content="400" /></div><div itemprop="interactionStatistic" itemscope itemtype="https://schema.org/InteractionCounter"><meta itemprop="interactionType" content="https://schema.org/CommentAction" /><meta itemprop="userInteractionCount" content="0" /></div>	
2368		<div class="fl-post-feed-text">
2369	
2370		<div class="fl-post-feed-header">
2371
2372			<h2 class="fl-post-feed-title" itemprop="headline">
2373				<a href="https://www.incharge.org/debt-relief/debt-management/who-qualifies-for-a-dmp/" rel="bookmark" title="Debt Management Program Eligibility &#038; Requirements">Debt Management Program Eligibility &#038; Requirements</a>
2374			</h2>
2375
2376			
2377						<div class="fl-post-feed-meta">
2378																		<span class="fl-post-feed-date">
2379						September 15, 2026					</span>
2380											</div>
2381			
2382			
2383			
2384		</div>
2385
2386	
2387	
2388	
2389		
2390		
2391		
2392	</div>
2393
2394	<div class="fl-clear"></div>
2395</div>
2396<div class="fl-post-feed-post fl-post-align-default post-57850 page type-page status-publish has-post-thumbnail hentry category-credit tag-master" itemscope itemtype="https://schema.org/CreativeWork">
2397
2398	<meta itemscope itemprop="mainEntityOfPage" itemtype="https://schema.org/WebPage" itemid="https://www.incharge.org/debt-relief/credit-counseling/how-it-works-and-what-it-costs/" content="How Nonprofit Credit Counseling Works and What It Costs" /><meta itemprop="datePublished" content="2026-09-10" /><meta itemprop="dateModified" content="2026-09-10" /><div itemprop="publisher" itemscope itemtype="https://schema.org/Organization"><meta itemprop="name" content="InCharge Debt Solutions"></div><div itemscope itemprop="author" itemtype="https://schema.org/Person"><meta itemprop="url" content="https://www.incharge.org/blog/author/jlevy/" /><meta itemprop="name" content="Jason Levy" /></div><div itemscope itemprop="image" itemtype="https://schema.org/ImageObject"><meta itemprop="url" content="https://www.incharge.org/wp-content/uploads/2026/09/how-credit-counseling-works.jpg" /><meta itemprop="width" content="600" /><meta itemprop="height" content="400" /></div><div itemprop="interactionStatistic" itemscope itemtype="https://schema.org/InteractionCounter"><meta itemprop="interactionType" content="https://schema.org/CommentAction" /><meta itemprop="userInteractionCount" content="0" /></div>	
2399		<div class="fl-post-feed-text">
2400	
2401		<div class="fl-post-feed-header">
2402
2403			<h2 class="fl-post-feed-title" itemprop="headline">
2404				<a href="https://www.incharge.org/debt-relief/credit-counseling/how-it-works-and-what-it-costs/" rel="bookmark" title="How Nonprofit Credit Counseling Works and What It Costs">How Nonprofit Credit Counseling Works and What It Costs</a>
2405			</h2>
2406
2407			
2408						<div class="fl-post-feed-meta">
2409																		<span class="fl-post-feed-date">
2410						September 10, 2026					</span>
2411											</div>
2412			
2413			
2414			
2415		</div>
2416
2417	
2418	
2419	
2420		
2421		
2422		
2423	</div>
2424
2425	<div class="fl-clear"></div>
2426</div>
2427	</div>
2428<div class="fl-clear"></div>
2429	</div>
2430</div>
2431</div>
2432</div>
2433			<div class="fl-col fl-node-5e8f627e57f04 fl-col-bg-color fl-col-small fl-col-small-custom-width fl-col-has-cols" data-node="5e8f627e57f04">
2434	<div class="fl-col-content fl-node-content">		<h3  class="fl-module fl-module-heading fl-heading fl-heading-text fl-node-5e8f627e58213" data-node="5e8f627e58213" aria-label="Heading">
2435			Award Winning Service	</h3>
2436<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-5e8f627e57fb9" data-node="5e8f627e57fb9" aria-label="Text Editor">
2437	<p><img decoding="async" class="alignnone size-medium wp-image-56636"  src="https://www.incharge.org/wp-content/uploads/2026/05/Incharge-top-work-place_multi_orlando_2026-300x152.png" alt="Orlando Sentinel Top Workplaces Award Logo 2026" width="300" height="152" class="alignnone size-medium wp-image-57182" /></p>
2438</div>
2439<h3  class="fl-module fl-module-heading fl-heading fl-heading-text fl-node-5e99db8124b20" data-node="5e99db8124b20" aria-label="Heading">
2440			JOIN OUR COMMUNITY	</h3>
2441
2442<div class="fl-col-group fl-node-6164642513b81 fl-col-group-nested fl-col-group-custom-width" data-node="6164642513b81">
2443			<div class="fl-col fl-node-6164642513c99 fl-col-bg-color fl-col-small fl-col-small-custom-width" data-node="6164642513c99">
2444	<div class="fl-col-content fl-node-content">		<figure class="fl-module fl-module-photo fl-photo fl-photo-align-center fl-node-65xmn3g8lpr4" data-node="65xmn3g8lpr4" aria-label="Photo" itemscope itemtype="https://schema.org/ImageObject">
2445	<div class="fl-photo-content fl-photo-img-svg">
2446				<a href="https://www.facebook.com/incharge.debt.solutions/" target="_blank" rel="noopener" itemprop="url">
2447					<img decoding="async" class="fl-photo-img wp-image-57109 size-full" src="https://www.incharge.org/wp-content/uploads/2020/04/Facebook-White-Logo-Icon.svg" alt="Facebook White Icon Logo" title="Facebook Logo" loading="lazy" />
2448				</a>
2449					</div>
2450	</figure>
2451</div>
2452</div>
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2454	<div class="fl-col-content fl-node-content">		<figure class="fl-module fl-module-photo fl-photo fl-photo-align-center fl-node-lzy03d74o1ca" data-node="lzy03d74o1ca" aria-label="Photo" itemscope itemtype="https://schema.org/ImageObject">
2455	<div class="fl-photo-content fl-photo-img-svg">
2456				<a href="https://www.linkedin.com/company/incharge-debt-solutions" target="_blank" rel="noopener" itemprop="url">
2457					<img decoding="async" class="fl-photo-img wp-image-57108 size-full" src="https://www.incharge.org/wp-content/uploads/2020/04/Linkdin-White-Logo-Icon.svg" alt="Linkdin White Logo Icon" title="Linkdin Logo" loading="lazy" />
2458				</a>
2459					</div>
2460	</figure>
2461</div>
2462</div>
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2464	<div class="fl-col-content fl-node-content">		<figure class="fl-module fl-module-photo fl-photo fl-photo-align-center fl-node-z2bi7at8g4fl" data-node="z2bi7at8g4fl" aria-label="Photo" itemscope itemtype="https://schema.org/ImageObject">
2465	<div class="fl-photo-content fl-photo-img-svg">
2466				<a href="https://www.reddit.com/user/InChargeFinancial/" target="_blank" rel="noopener" itemprop="url">
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2468				</a>
2469					</div>
2470	</figure>
2471</div>
2472</div>
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2474	<div class="fl-col-content fl-node-content">		</div>
2475</div>
2476	</div>
2477</div>
2478</div>
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2480	<div class="fl-col-content fl-node-content">		<h3  class="fl-module fl-module-heading fl-heading fl-heading-text fl-node-5e8f627e58251" data-node="5e8f627e58251" aria-label="Heading">
2481			MORE LINKS	</h3>
2482<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-5e8f627e5815f" data-node="5e8f627e5815f" aria-label="Text Editor">
2483	<p><a href="https://my.incharge.org/">Client Login</a></p>
2484<p><a href="/state-disclosures/">State Disclosures</a></p>
2485<p><a href="/terms-and-conditions/">Terms &amp; Conditions of Use</a></p>
2486<p><a href="/privacy/">Privacy Policy</a></p>
2487<p><a href="/contact/">Contact Us</a></p>
2488<p><a href="/about-us/">About Us</a></p>
2489<p><a href="/about-us/careers/">Careers</a></p>
2490</div>
2491</div>
2492</div>
2493			<div class="fl-col fl-node-5e99db812493f fl-col-bg-color fl-col-small fl-col-small-custom-width" data-node="5e99db812493f">
2494	<div class="fl-col-content fl-node-content">		<h3  class="fl-module fl-module-heading fl-heading fl-heading-text fl-node-614c95dbb0ee7" data-node="614c95dbb0ee7" aria-label="Heading">
2495			Affiliations	</h3>
2496<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-611bd7fa3508d" data-node="611bd7fa3508d" aria-label="Text Editor">
2497	<p><a href="https://www.bbb.org/central-florida/business-reviews/credit-and-debt-counseling/incharge-debt-solutions-in-orlando-fl-24000449#sealclick" target="_blank" rel="noopener"><img decoding="async" class="size-full wp-image-38900 alignnone" src="/wp-content/uploads/2016/02/blue-seal-200-42-whitetxt-inchargedebtsolutionsinc-24000449.png" alt="BBB Accredited Icon" /></a><a href="https://www.nfcc.org/"><img decoding="async" class="alignnone wp-image-54986" src="https://www.incharge.org/wp-content/uploads/2020/04/NFCC_MemberLogo-300x91.png" alt="NFCC Member Logo" width="224" height="68" srcset="https://www.incharge.org/wp-content/uploads/2020/04/NFCC_MemberLogo-300x91.png 300w, https://www.incharge.org/wp-content/uploads/2020/04/NFCC_MemberLogo.png 468w" sizes="(max-width: 224px) 100vw, 224px" /></a><img decoding="async" class="size-full wp-image-17813 alignnone"  src="/wp-content/uploads/2015/12/inchargeAccLogo_nbri-e1449261340230.png" alt="NBRI Circle of Excellence Logo Badge" width="69" height="68" /><a href="https://coanet.org/"><img decoding="async" class="wp-image-17815 size-full alignnone" src="/wp-content/uploads/2015/12/inchargeAccLogo_coa-e1449261240762.png" alt="Counsel on Accreditation logo" width="66" height="63" /><img decoding="async" class="alignnone wp-image-52456" src="https://www.incharge.org/wp-content/uploads/2020/04/Hud-Logo-Green.png" alt="HUD Equal Housing Icon" width="66" height="66" srcset="https://www.incharge.org/wp-content/uploads/2020/04/Hud-Logo-Green.png 151w, https://www.incharge.org/wp-content/uploads/2020/04/Hud-Logo-Green-50x50.png 50w, https://www.incharge.org/wp-content/uploads/2020/04/Hud-Logo-Green-75x75.png 75w" sizes="(max-width: 66px) 100v
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2498</div>
2499</div>
2500</div>
2501	</div>
2502		</div>
2503	</div>
2504</div>
2505<div class="fl-row fl-row-full-width fl-row-bg-color fl-node-5e8f627e57d46 fl-row-default-height fl-row-align-center" data-node="5e8f627e57d46">
2506	<div class="fl-row-content-wrap">
2507								<div class="fl-row-content fl-row-fixed-width fl-node-content">
2508		
2509<div class="fl-col-group fl-node-5e8f627e57d9d fl-col-group-equal-height fl-col-group-align-top" data-node="5e8f627e57d9d">
2510			<div class="fl-col fl-node-5e8f627e57dfb fl-col-bg-color" data-node="5e8f627e57dfb">
2511	<div class="fl-col-content fl-node-content">		<div  class="fl-module fl-module-rich-text fl-rich-text fl-node-5e8f627e57e50" data-node="5e8f627e57e50" aria-label="Text Editor">
2512	<p>© 2000-2026 InCharge Debt Solutions. All Rights Reserved.   |   5750 Major Blvd, Suite 300 Orlando, FL 32819   |   501(c)(3) Non-profit Credit Counseling Organization.   |   We do not lend money.</p>
2513</div>
2514<div class="fl-module fl-module-html fl-node-ewings1a48yv chatbot-iframe" data-node="ewings1a48yv">
2515	<div class="fl-module-content fl-node-content">
2516		<div class="fl-html">
2517	
2517<script>  
2518var DynamicCTAs = function(){
2519    var UTC_hours = new Date().getUTCHours(); // +5 hours for EST
2520    var day = new Date().getDay();
2521
2522    // Shared Five9 chat init function 
2523    function initChat() {
2524        F9.Chat.Wrapper.init({
2525            cdn: 'prod',
2526            useBusinessHours: false,
2527            languages: {"enabled":false,"backgroundColor":"#145588"},
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2531                "systemMessages":{
2532                  "transferredToParticipant":"The chat has been transferred to {name}.",
2533                  "transferredToGroup":"That chat has been transferred to group {group}."
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2535                "captureFields":[
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2542              {"k":"campaign","v":"IB_DVA_Chatbot"},
2543              {"k":"Question","v":"None"}
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2546              "integrationId":"ab59df7d-2058-4bab-9350-b0888c800eda",
2547              "soundNotificationEnabled":true,
2548              "transcriptPrintingEnabled":false,
2549              "menuItems":{"imageUpload":true,"fileUpload":true,"shareLocation":false},
2550              "embedded":false,
2551              "setViewportScale":false,
2552              "businessName":"Live Chat",
2553              "businessIconUrl":"https://www.incharge.org/wp-content/uploads/2025/01/InCharge-Logo-Trans-BG.png",
2554              "browserStorage":"sessionStorage",
2555              "browserLogLevel":{"info":true,"debug":true,"error":true},
2556              "hideWidgetAfterBusinessHours":false,
2557              "openLinkInSameTab":false,
2558              "scheduleCallback":{
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2560                "requestCallbackList":"",
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2565              "displayStyle":"button",
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2571            clearMessagesTimeout: 3
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2573    }
2574
2575    function loadScriptAndInit() {
2576        var script = document.createElement('script');
2577        script.type = 'text/javascript';
2578        script.src = "https://cdn.prod.us.five9.net/static/stable/chat/wrapper/index.js";
2579        script.onload = initChat;
2580        document.head.appendChild(script);
2581    }
2582
2583    // Weekday staffed hours (Mon–Fri, 8am–8pm EST == 13–1 UTC rollover)
2584    if ((day >= 0 && day <= 5 && UTC_hours >= 13) || (day >= 0 && day <= 5 && UTC_hours < 1)) {
2585        loadScriptAndInit();
2586        console.log('Weekday Staffed Hours', day, UTC_hours);
2587
2588    // Saturday staffed hours (9am–5pm EST == 14–22 UTC)
2589    } else if (day === 6 && UTC_hours >= 14 && UTC_hours < 22) {
2590        loadScriptAndInit();
2591        console.log('Saturday Staffed Hours', day, UTC_hours);
2592
2593    } else {
2594      loadScriptAndInit();
2595        console.log('After Hours', day, UTC_hours);
2596    }
2597};
2598
2599// setInterval(DynamicCTAs, 100000*60);
2600DynamicCTAs();
2601</script>
2601</div>
2602	</div>
2603</div>
2604</div>
2605</div>
2606	</div>
2607		</div>
2608	</div>
2609</div>
2610</footer><div class="uabb-js-breakpoint" style="display: none;"></div>	</div><!-- .fl-page -->
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2631                radio.channel( 'forms' ).on( 'submit:response', runPixelCode );
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2633
2634            if ( window.jQuery ) {
2635                window.jQuery( document ).on(
2636                    'nfFormSubmitResponse',
2637                    function ( event, data ) {
2638                        if ( data && data.response ) {
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2645
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2647                <!-- Meta Pixel Event Code -->
2648        
2648<script type='text/javascript'>
2649        (function ( $ ) {
2650            if ( ! $ || typeof document === 'undefined' ) {
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2653            // WPForms triggers this jQuery event and passes the AJAX response object.
2654            $( document ).on( 'wpformsAjaxSubmitSuccess', function ( event, data ) {
2655                if ( data && data.data && data.data.fb_pxl_code ) {
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2674		<div class="cmplz-title" id="cmplz-header-1-optin">Manage your privacy</div>
2675		<div class="cmplz-close" tabindex="0" role="button" aria-label="Close dialog">
2676			<svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="times" class="svg-inline--fa fa-times fa-w-11" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 352 512"><path fill="currentColor" d="M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z"></path></svg>
2677		</div>
2678	</div>
2679
2680	<div class="cmplz-divider cmplz-divider-header"></div>
2681	<div class="cmplz-body">
2682		<div class="cmplz-message" id="cmplz-message-1-optin"><p>We use technologies like cookies to store and/or access device information. We do this to improve browsing experience and to show (non-) personalized ads. Consenting to these technologies will allow us to process data such as browsing behavior or unique IDs on this site. Not consenting or withdrawing consent, may adversely affect certain features and functions. View Our <a href="https://www.incharge.org/privacy/">Privacy Policy</a>.</p></div>
2683		<!-- categories start -->
2684		<div class="cmplz-categories">
2685			<div class="cmplz-category cmplz-functional">
2686				<div class="cmplz-category-header">
2687					<span class="cmplz-category-title" id="cmplz-title-functional-1-optin">Functional</span>
2688					<span class='cmplz-always-active'>
2689						<span class="cmplz-banner-checkbox">
2690							<input type="checkbox"
2691									id="cmplz-functional-optin"
2692									data-category="cmplz_functional"
2693									class="cmplz-consent-checkbox cmplz-functional"
2694									size="40"
2695									value="1"/>
2696							<label class="cmplz-label" for="cmplz-functional-optin"><span class="screen-reader-text">Functional</span></label>
2697						</span>
2698						Always active					</span>
2699					<button class="cmplz-category-toggle"
2700							aria-expanded="false"
2701							aria-controls="cmplz-desc-functional-1-optin"
2702							aria-labelledby="cmplz-title-functional-1-optin">
2703						<span class="cmplz-icon cmplz-open">
2704							<svg aria-hidden="true" focusable="false" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" height="18"><path d="M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z"/></svg>
2705						</span>
2706					</button>
2707				</div>
2708				<div class="cmplz-description" id="cmplz-desc-functional-1-optin" hidden>
2709					<span class="cmplz-description-functional">The technical storage or access is strictly necessary for the legitimate purpose of enabling the use of a specific service explicitly requested by the subscriber or user, or for the sole purpose of carrying out the transmission of a communication over an electronic communications network.</span>
2710				</div>
2711			</div>
2712
2713			<div class="cmplz-category cmplz-preferences">
2714				<div class="cmplz-category-header">
2715					<span class="cmplz-category-title" id="cmplz-title-preferences-1-optin">Preferences</span>
2716					<span class="cmplz-banner-checkbox">
2717						<input type="checkbox"
2718								id="cmplz-preferences-optin"
2719								data-category="cmplz_preferences"
2720								class="cmplz-consent-checkbox cmplz-preferences"
2721								size="40"
2722								value="1"/>
2723						<label class="cmplz-label" for="cmplz-preferences-optin"><span class="screen-reader-text">Preferences</span></label>
2724					</span>
2725					<button class="cmplz-category-toggle"
2726							aria-expanded="false"
2727							aria-controls="cmplz-desc-preferences-1-optin"
2728							aria-labelledby="cmplz-title-preferences-1-optin">
2729						<span class="cmplz-icon cmplz-open">
2730							<svg aria-hidden="true" focusable="false" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" height="18">
2730<path d="M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z"/></svg>
2731						</span>
2732					</button>
2733				</div>
2734				<div class="cmplz-description" id="cmplz-desc-preferences-1-optin" hidden>
2735					<span class="cmplz-description-preferences">The technical storage or access is necessary for the legitimate purpose of storing preferences that are not requested by the subscriber or user.</span>
2736				</div>
2737			</div>
2738
2739			<div class="cmplz-category cmplz-statistics">
2740				<div class="cmplz-category-header">
2741					<span class="cmplz-category-title" id="cmplz-title-statistics-1-optin">Statistics</span>
2742					<span class="cmplz-banner-checkbox">
2743						<input type="checkbox"
2744								id="cmplz-statistics-optin"
2745								data-category="cmplz_statistics"
2746								class="cmplz-consent-checkbox cmplz-statistics"
2747								size="40"
2748								value="1"/>
2749						<label class="cmplz-label" for="cmplz-statistics-optin"><span class="screen-reader-text">Statistics</span></label>
2750					</span>
2751					<button class="cmplz-category-toggle"
2752							aria-expanded="false"
2753							aria-controls="cmplz-desc-statistics-1-optin"
2754							aria-labelledby="cmplz-title-statistics-1-optin">
2755						<span class="cmplz-icon cmplz-open">
2756							<svg aria-hidden="true" focusable="false" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" height="18"><path d="M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z"/></svg>
2757						</span>
2758					</button>
2759				</div>
2760				<div class="cmplz-description" id="cmplz-desc-statistics-1-optin" hidden>
2761					<span class="cmplz-description-statistics">The technical storage or access that is used exclusively for statistical purposes.</span>
2762					<span class="cmplz-description-statistics-anonymous">The technical storage or access that is used exclusively for anonymous statistical purposes. Without a subpoena, voluntary compliance on the part of your Internet Service Provider, or additional records from a third party, information stored or retrieved for this purpose alone cannot usually be used to identify you.</span>
2763				</div>
2764			</div>
2765
2766			<div class="cmplz-category cmplz-marketing">
2767				<div class="cmplz-category-header">
2768					<span class="cmplz-category-title" id="cmplz-title-marketing-1-optin">Marketing</span>
2769					<span class="cmplz-banner-checkbox">
2770						<input type="checkbox"
2771								id="cmplz-marketing-optin"
2772								data-category="cmplz_marketing"
2773								class="cmplz-consent-checkbox cmplz-marketing"
2774								size="40"
2775								value="1"/>
2776						<label class="cmplz-label" for="cmplz-marketing-optin"><span class="screen-reader-text">Marketing</span></label>
2777					</span>
2778					<button class="cmplz-category-toggle"
2779							aria-expanded="false"
2780							aria-controls="cmplz-desc-marketing-1-optin"
2781							aria-labelledby="cmplz-title-marketing-1-optin">
2782						<span class="cmplz-icon cmplz-open">
2783							<svg aria-hidden="true" focusable="false" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 448 512" height="18"><path d="M224 416c-8.188 0-16.38-3.125-22.62-9.375l-192-192c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L224 338.8l169.4-169.4c12.5-12.5 32.75-12.5 45.25 0s12.5 32.75 0 45.25l-192 192C240.4 412.9 232.2 416 224 416z"/></svg>
2784						</span>
2785					</button>
2786				</div>
2787				<div class="cmplz-description" id="cmplz-desc-marketing-1-optin" hidden>
2788					<span class="cmplz-description-marketing">The technical storage or access is required to create user profiles to send advertising, or to track the user on a website or across several websites for similar marketing purposes.</span>
2789				</div>
2790			</div>
2791		</div><!-- categories end -->
2792			</div>
2793
2794	<div class="cmplz-links cmplz-information">
2795		<ul>
2796			<li><a class="cmplz-link cmplz-manage-options cookie-statement" href="#" data-relative_url="#cmplz-manage-consent-container">Manage options</a></li>
2797			<li><a class="cmplz-link cmplz-manage-third-parties cookie-statement" href="#" data-relative_url="#cmplz-cookie
2797s-overview">Manage services</a></li>
2798			<li><a class="cmplz-link cmplz-manage-vendors tcf cookie-statement" href="#" data-relative_url="#cmplz-tcf-wrapper">Manage {vendor_count} vendors</a></li>
2799			<li><a class="cmplz-link cmplz-external cmplz-read-more-purposes tcf" target="_blank" rel="noopener noreferrer nofollow" href="https://cookiedatabase.org/tcf/purposes/" aria-label="Read more about TCF purposes on Cookie Database">Read more about these purposes</a></li>
2800		</ul>
2801			</div>
2802
2803	<div class="cmplz-divider cmplz-footer"></div>
2804
2805	<div class="cmplz-buttons">
2806		<button class="cmplz-btn cmplz-accept">Accept</button>
2807		<button class="cmplz-btn cmplz-deny">Reject</button>
2808		<button class="cmplz-btn cmplz-view-preferences">Manage options</button>
2809		<button class="cmplz-btn cmplz-save-preferences">Save preferences</button>
2810		<a class="cmplz-btn cmplz-manage-options tcf cookie-statement" href="#" data-relative_url="#cmplz-manage-consent-container">Manage options</a>
2811			</div>
2812
2813
2814	<div class="cmplz-documents cmplz-links">
2815		<ul>
2816			<li><a class="cmplz-link cookie-statement" href="#" data-relative_url="">{title}</a></li>
2817			<li><a class="cmplz-link privacy-statement" href="#" data-relative_url="">{title}</a></li>
2818			<li><a class="cmplz-link impressum" href="#" data-relative_url="">{title}</a></li>
2819		</ul>
2820			</div>
2821</div>
2822</div>
2823					<div id="cmplz-manage-consent" data-nosnippet="true"><button class="cmplz-btn cmplz-hidden cmplz-manage-consent manage-consent-1" aria-haspopup="dialog" aria-controls="cmplz-cookiebanner-1-optin">Manage consent</button>
2824
2825</div>    <!-- Meta Pixel Event Code -->
2826    
2826<script type='text/javascript'>
2827        document.addEventListener( 'wpcf7mailsent', function( event ) {
2828        if( "fb_pxl_code" in event.detail.apiResponse){
2829            eval(event.detail.apiResponse.fb_pxl_code);
2830        }
2831        }, false );
2832    </script>
2832
2833    <!-- End Meta Pixel Event Code -->
2834        <div id="fb-pxl-ajax-code"></div><noscript><div class="cmplz-placeholder-parent"><img class="cmplz-placeholder-element cmplz-image" data-category="marketing" data-service="general" data-src-cmplz="https://www.facebook.com/tr?id=902980997532131&amp;ev=PageView&amp;noscript=1&amp;cd%5Bpage_title%5D=Home+Page&amp;cd%5Bpost_type%5D=page&amp;cd%5Bpost_id%5D=17309&amp;cd%5Bplugin%5D=PixelYourSite&amp;cd%5Buser_role%5D=guest&amp;cd%5Bevent_url%5D=www.incharge.org%2F" height="1" width="1" style="display: none;"  src="https://www.incharge.org/wp-content/plugins/complianz-gdpr-premium/assets/images/placeholders/default-minimal.jpg"  alt=""></div></noscript>
2835<script id="jquery-fitvids-js" src="https://www.incharge.org/wp-content/plugins/bb-plugin/js/libs/jquery.fitvids.min.js?ver=1.2"></script>
vendor: 1 bytes, line 2835
2835
2836<script id="jquery-easing-js" src="https://www.incharge.org/wp-content/plugins/bb-plugin/js/libs/jquery.easing.min.js?ver=1.4"></script>
vendor: 1 bytes, line 2836
2836
2837<script id="jquery-bxslider-js" src="https://www.incharge.org/wp-content/plugins/bb-plugin/js/libs/jquery.bxslider.min.js?ver=2.11.1"></script>
vendor: 1 bytes, line 2837
2837
2838<script id="jquery-waypoints-js" src="https://www.incharge.org/wp-content/plugins/bb-plugin/js/libs/jquery.waypoints.min.js?ver=2.11.1"></script>
vendor: 1 bytes, line 2838
2838
2839<script id="fl-builder-layout-17309-js" src="https://www.incharge.org/wp-content/uploads/bb-plugin/cache/17309-layout.js?ver=091ee6485cb3cb2e47d5332eca62cb6a"></script>
vendor: 1 bytes, line 2839
2839
2840<script id="faq-accordion-frontend-js" src="https://www.incharge.org/wp-content/plugins/faq-accordion-schema/assets/frontend.js?ver=1.2.1"></script>
vendor: 1 bytes, line 2840
2840
2841<script id="imagesloaded-js" src="https://www.incharge.org/wp-content/plugins/bb-plugin/js/libs/jquery.imagesloaded.min.js?ver=2.11.1"></script>
vendor: 1 bytes, line 2841
2841
2842<script id="jquery-throttle-js" src="https://www.incharge.org/wp-content/plugins/bb-plugin/js/libs/jquery.ba-throttle-debounce.min.js?ver=2.11.1"></script>
vendor: 1 bytes, line 2842
2842
2843<script id="carousel-js" src="https://www.incharge.org/wp-content/plugins/bb-ultimate-addon/assets/js/global-scripts/jquery-carousel.js?ver=fd13f801fb2ab4161024ff04154a1e4b"></script>
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2843
2844<script id="uabbtableofcontents-js" src="https://www.incharge.org/wp-content/plugins/bb-ultimate-addon/modules/uabb-table-of-contents/js/jquery.toc.js?ver=fd13f801fb2ab4161024ff04154a1e4b"></script>
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2844
2845<script id="fl-builder-layout-bundle-5d1e74d67eeedd7b2ce28513fd8214dc-js" src="https://www.incharge.org/wp-content/uploads/bb-plugin/cache/5d1e74d67eeedd7b2ce28513fd8214dc-layout-bundle.js?ver=2.11.1-1.6"></script>
vendor: 1 bytes, line 2845
2845
2846<script id="rocket-browser-checker-js-after">
2847"use strict";var _createClass=function(){function defineProperties(target,props){for(var i=0;i<props.length;i++){var descriptor=props[i];descriptor.enumerable=descriptor.enumerable||!1,descriptor.configurable=!0,"value"in descriptor&&(descriptor.writable=!0),Object.defineProperty(target,descriptor.key,descriptor)}}return function(Constructor,protoProps,staticProps){return protoProps&&defineProperties(Constructor.prototype,protoProps),staticProps&&defineProperties(Constructor,staticProps),Constructor}}();function _classCallCheck(instance,Constructor){if(!(instance instanceof Constructor))throw new TypeError("Cannot call a class as a function")}var RocketBrowserCompatibilityChecker=function(){function RocketBrowserCompatibilityChecker(options){_classCallCheck(this,RocketBrowserCompatibilityChecker),this.passiveSupported=!1,this._checkPassiveOption(this),this.options=!!this.passiveSupported&&options}return _createClass(RocketBrowserCompatibilityChecker,[{key:"_checkPassiveOption",value:function(self){try{var options={get passive(){return!(self.passiveSupported=!0)}};window.addEventListener("test",null,options),window.removeEventListener("test",null,options)}catch(err){self.passiveSupported=!1}}},{key:"initRequestIdleCallback",value:function(){!1 in window&&(window.requestIdleCallback=function(cb){var start=Date.now();return setTimeout(function(){cb({didTimeout:!1,timeRemaining:function(){return Math.max(0,50-(Date.now()-start))}})},1)}),!1 in window&&(window.cancelIdleCallback=function(id){return clearTimeout(id)})}},{key:"isDataSaverModeOn",value:function(){return"connection"in navigator&&!0===navigator.connection.saveData}},{key:"supportsLinkPrefetch",value:function(){var elem=document.createElement("link");return elem.relList&&elem.relList.supports&&elem.relList.supports("prefetch")&&window.IntersectionObserver&&"isIntersecting"in IntersectionObserverEntry.prototype}},{key:"isSlowConnection",value:function(){return"connection"in navigator&&"effectiveType"in navigator.connection&&("2g"===navigator.connection.effectiveType||"slow-2g"===navigator.connection.effectiveType)}}]),RocketBrowserCompatibilityChecker}();
2848//# sourceURL=rocket-browser-checker-js-after
2849</script>
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2849
2850<script id="rocket-preload-links-js-extra">
2851var RocketPreloadLinksConfig = {"excludeUris":"/(?:.+/)?feed(?:/(?:.+/?)?)?$|/(?:.+/)?embed/|/(index.php/)?(.*)wp-json(/.*|$)|/refer/|/go/|/recommend/|/recommends/","usesTrailingSlash":"1","imageExt":"jpg|jpeg|gif|png|tiff|bmp|webp|avif|pdf|doc|docx|xls|xlsx|php","fileExt":"jpg|jpeg|gif|png|tiff|bmp|webp|avif|pdf|doc|docx|xls|xlsx|php|html|htm","siteUrl":"https://www.incharge.org","onHoverDelay":"100","rateThrottle":"3"};
2852//# sourceURL=rocket-preload-links-js-extra
2853</script>
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2853
2854<script id="rocket-preload-links-js-after">
2855(function() {
2856"use strict";var r="function"==typeof Symbol&&"symbol"==typeof Symbol.iterator?function(e){return typeof e}:function(e){return e&&"function"==typeof Symbol&&e.constructor===Symbol&&e!==Symbol.prototype?"symbol":typeof e},e=function(){function i(e,t){for(var n=0;n<t.length;n++){var i=t[n];i.enumerable=i.enumerable||!1,i.configurable=!0,"value"in i&&(i.writable=!0),Object.defineProperty(e,i.key,i)}}return function(e,t,n){return t&&i(e.prototype,t),n&&i(e,n),e}}();function i(e,t){if(!(e instanceof t))throw new TypeError("Cannot call a class as a function")}var t=function(){function n(e,t){i(this,n),this.browser=e,this.config=t,this.options=this.browser.options,this.prefetched=new Set,this.eventTime=null,this.threshold=1111,this.numOnHover=0}return e(n,[{key:"init",value:function(){!this.browser.supportsLinkPrefetch()||this.browser.isDataSaverModeOn()||this.browser.isSlowConnection()||(this.regex={excludeUris:RegExp(this.config.excludeUris,"i"),images:RegExp(".("+this.config.imageExt+")$","i"),fileExt:RegExp(".("+this.config.fileExt+")$","i")},this._initListeners(this))}},{key:"_initListeners",value:function(e){-1<this.config.onHoverDelay&&document.addEventListener("mouseover",e.listener.bind(e),e.listenerOptions),document.addEventListener("mousedown",e.listener.bind(e),e.listenerOptions),document.addEventListener("touchstart",e.listener.bind(e),e.listenerOptions)}},{key:"listener",value:function(e){var t=e.target.closest("a"),n=this._prepareUrl(t);if(null!==n)switch(e.type){case"mousedown":case"touchstart":this._addPrefetchLink(n);break;case"mouseover":this._earlyPrefetch(t,n,"mouseout")}}},{key:"_earlyPrefetch",value:function(t,e,n){var i=this,r=setTimeout(function(){if(r=null,0===i.numOnHover)setTimeout(function(){return i.numOnHover=0},1e3);else if(i.numOnHover>i.config.rateThrottle)return;i.numOnHover++,i._addPrefetchLink(e)},this.config.onHoverDelay);t.addEventListener(n,function e(){t.removeEventListener(n,e,{passive:!0}),null!==r&&(clearTimeout(r),r=null)},{passive:!0})}},{key:"_addPrefetchLink",value:function(i){return this.prefetched.add(i.href),new Promise(function(e,t){var n=document.createElement("link");n.rel="prefetch",n.href=i.href,n.onload=e,n.onerror=t,document.head.appendChild(n)}).catch(function(){})}},{key:"_prepareUrl",value:function(e){if(null===e||"object"!==(void 0===e?"undefined":r(e))||!1 in e||-1===["http:","https:"].indexOf(e.protocol))return null;var t=e.href.substring(0,this.config.siteUrl.length),n=this._getPathname(e.href,t),i={original:e.href,protocol:e.protocol,origin:t,pathname:n,href:t+n};return this._isLinkOk(i)?i:null}},{key:"_getPathname",value:function(e,t){var n=t?e.substring(this.config.siteUrl.length):e;return n.startsWith("/")||(n="/"+n),this._shouldAddTrailingSlash(n)?n+"/":n}},{key:"_shouldAddTrailingSlash",value:function(e){return this.config.usesTrailingSlash&&!e.endsWith("/")&&!this.regex.fileExt.test(e)}},{key:"_isLinkOk",value:function(e){return null!==e&&"object"===(void 0===e?"undefined":r(e))&&(!this.prefetched.has(e.href)&&e.origin===this.config.siteUrl&&-1===e.href.indexOf("?")&&-1===e.href.indexOf("#")&&!this.regex.excludeUris.test(e.href)&&!this.regex.images.test(e.href))}}],[{key:"run",value:function(){"undefined"!=typeof RocketPreloadLinksConfig&&new n(new RocketBrowserCompatibilityChecker({capture:!0,passive:!0}),RocketPreloadLinksConfig).init()}}]),n}();t.run();
2857}());
2858
2859//# sourceURL=rocket-preload-links-js-after
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2860
2861<script id="rocket_lazyload_css-js-extra">
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2864
2865<script id="rocket_lazyload_css-js-after">
2866!function o(n,a,c){function l(t,e){if(!a[t]){if(!n[t]){var r="function"==typeof require&&require;if(!e&&r)return r(t,!0);if(u)return u(t,!0);throw(e=new Error("Cannot find module '"+t+"'")).code="MODULE_NOT_FOUND",e}r=a[t]={exports:{}},n[t][0].call(r.exports,function(e){return l(n[t][1][e]||e)},r,r.exports,o,n,a,c)}return a[t].exports}for(var u="function"==typeof require&&require,e=0;e<c.length;e++)l(c[e]);return l}({1:[function(e,t,r){{let r="undefined"==typeof rocket_pairs?[]:rocket_pairs,o=(("undefined"==typeof rocket_excluded_pairs?[]:rocket_excluded_pairs).map(t=>{var e=t.selector;document.querySelectorAll(e).forEach(e=>{e.setAttribute("data-rocket-lazy-bg-"+t.hash,"excluded")})}),document.querySelector("#wpr-lazyload-bg-container"));var a=rocket_lazyload_css_data.threshold||300;let n=new IntersectionObserver(e=>{e.forEach(t=>{t.isIntersecting&&r.filter(e=>t.target.matches(e.selector)).map(t=>{var e;t&&((e=document.createElement("style")).textContent=t.style,o.insertAdjacentElement("afterend",e),t.elements.forEach(e=>{n.unobserve(e),e.setAttribute("data-rocket-lazy-bg-"+t.hash,"loaded")}))})})},{rootMargin:a+"px"});function c(){0<(0<arguments.length&&void 0!==arguments[0]?arguments[0]:[]).length&&r.forEach(t=>{try{document.querySelectorAll(t.selector).forEach(e=>{"loaded"!==e.getAttribute("data-rocket-lazy-bg-"+t.hash)&&"excluded"!==e.getAttribute("data-rocket-lazy-bg-"+t.hash)&&(n.observe(e),(t.elements||=[]).push(e))})}catch(e){console.error(e)}})}c(),(()=>{let r=window.MutationObserver;return function(e,t){if(e&&1===e.nodeType)return(t=new r(t)).observe(e,{attributes:!0,childList:!0,subtree:!0}),t}})()(document.querySelector("body"),c)}},{}]},{},[1]);
2867//# sourceURL=rocket_lazyload_css-js-after
2868</script>
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2868
2869<script type="text/plain" data-service="facebook" data-category="marketing" id="jquery-bind-first-js" defer data-cmplz-src="https://www.incharge.org/wp-content/plugins/pixelyoursite/dist/scripts/jquery.bind-first-0.2.3.min.js?ver=0.2.3"></script>
vendor: 1 bytes, line 2869
2869
2870<script type="text/plain" data-service="facebook" data-category="marketing" id="js-cookie-pys-js" defer data-cmplz-src="https://www.incharge.org/wp-content/plugins/pixelyoursite/dist/scripts/js.cookie-2.1.3.min.js?ver=2.1.3"></script>
vendor: 1 bytes, line 2870
2870
2871<script type="text/plain" data-service="facebook" data-category="marketing" id="js-sha256-js" defer data-cmplz-src="https://www.incharge.org/wp-content/plugins/pixelyoursite/dist/scripts/sha256.js?ver=0.11.0"></script>
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2871
2872<script type="text/plain" data-service="facebook" data-category="marketing" id="pys-js-extra">
2873var pysOptions = {"staticEvents":{"facebook":{"init_event":[{"delay":0,"type":"static","ajaxFire":false,"name":"PageView","pixelIds":["902980997532131"],"eventID":"7b33c77c-e6c1-4f39-b9ae-84da1e86d886","params":{"page_title":"Home Page","post_type":"page","post_id":17309,"plugin":"PixelYourSite","user_role":"guest","event_url":"www.incharge.org/"},"e_id":"init_event","ids":[],"hasTimeWindow":false,"timeWindow":0,"woo_order":"","edd_order":"","order_key":""}]}},"dynamicEvents":[],"triggerEvents":[],"triggerEventTypes":[],"facebook":{"pixelIds":["902980997532131"],"advancedMatching":{"external_id":"ddbeaebfacfeeecdcfbaceb"},"advancedMatchingEnabled":true,"removeMetadata":true,"wooVariableAsSimple":false,"serverApiEnabled":true,"metaEnabledCapiPixels":["902980997532131"],"sendEventId":true,"send_external_id":null,"enabled_medical":false,"do_not_track_medical_param":["","event_url","landing_page","post_title","page_title","content_name","categories","category_name","tags"],"meta_ldu":false},"debug":"","siteUrl":"https://www.incharge.org","ajaxUrl":"https://www.incharge.org/wp-admin/admin-ajax.php","ajax_event":"18261b5dc3","enable_remove_download_url_param":"1","cookie_duration":"7","last_visit_duration":"60","enable_success_send_form":"","ajaxForServerEvent":"1","ajaxForServerStaticEvent":"1","useSendBeacon":"1","send_external_id":"1","external_id_expire":"180","track_cookie_for_subdomains":"1","google_consent_mode":"1","consent_mode_cmp_active":"","data_persistency":"keep_data","gdpr":{"ajax_enabled":false,"all_disabled_by_api":false,"facebook_disabled_by_api":false,"analytics_disabled_by_api":false,"google_ads_disabled_by_api":false,"pinterest_disabled_by_api":false,"bing_disabled_by_api":false,"reddit_disabled_by_api":false,"openai_disabled_by_api":false,"externalID_disabled_by_api":false,"facebook_prior_consent_enabled":true,"analytics_prior_consent_enabled":true,"google_ads_prior_consent_enabled":null,"pinterest_prior_consent_enabled":true,"bing_prior_consent_enabled":true,"openai_prior_consent_enabled":true,"cookiebot_integration_enabled":false,"cookiebot_facebook_consent_category":"marketing","cookiebot_analytics_consent_category":"statistics","cookiebot_tiktok_consent_category":"marketing","cookiebot_google_ads_consent_category":"marketing","cookiebot_pinterest_consent_category":"marketing","cookiebot_bing_consent_category":"marketing","cookiebot_openai_consent_category":"marketing","consent_magic_integration_enabled":false,"real_cookie_banner_integration_enabled":false,"cookie_notice_integration_enabled":false,"cookie_law_info_integration_enabled":false,"analytics_storage":{"enabled":true,"value":"granted","filter":false},"ad_storage":{"enabled":true,"value":"granted","filter":false},"ad_user_data":{"enabled":true,"value":"granted","filter":false},"ad_personalization":{"enabled":true,"value":"granted","filter":false}},"cookie":{"disabled_all_cookie":false,"disabled_start_session_cookie":false,"disabled_advanced_form_data_cookie":false,"disabled_landing_page_cookie":false,"disabled_first_visit_cookie":false,"disabled_trafficsource_cookie":false,"disabled_utmTerms_cookie":false,"disabled_utmId_cookie":false},"tracking_analytics":{"TrafficLanding":"","TrafficUtms":[],"TrafficUtmsId":[]},"GATags":{"ga_datalayer_type":"default","ga_datalayer_name":"dataLayerPYS"},"woo":{"enabled":false},"edd":{"enabled":false},"cache_bypass":"1790240980"};
2874//# sourceURL=pys-js-extra
2875</script>
vendor: 1 bytes, line 2875
2875
2876<script type="text/plain" data-service="facebook" data-category="marketing" id="pys-js" defer data-cmplz-src="https://www.incharge.org/wp-content/plugins/pixelyoursite/dist/scripts/public.js?ver=11.4.2"></script>
vendor: 1 bytes, line 2876
2876
2877<script id="jquery-magnificpopup-js" src="https://www.incharge.org/wp-content/plugins/bb-plugin/js/libs/jquery.magnificpopup.min.js?ver=2.11.1"></script>
vendor: 1 bytes, line 2877
2877
2878<script id="fl-automator-js-extra">
2879var themeopts = {"medium_breakpoint":"992","mobile_breakpoint":"768","lightbox":"enabled","scrollTopPosition":"800"};
2880//# sourceURL=fl-automator-js-extra
2881</script>
vendor: 1 bytes, line 2881
2881
2882<script id="fl-automator-js" src="https://www.incharge.org/wp-content/themes/bb-theme/js/theme.min.js?ver=1.7.20"></script>
vendor: 1 bytes, line 2882
2882
2883<script id="article-fetchpriority-js" src="https://www.incharge.org/wp-content/themes/bb-theme-child/js/article-fetchpriority.js"></script>
vendor: 1 bytes, line 2883
2883
2884<script id="dynamic-ctas-js" src="https://www.incharge.org/wp-content/themes/bb-theme-child/js/dynamic-ctas.js"></script>
vendor: 1 bytes, line 2884
2884
2885<script id="zapier-es-chatbot-js" src="https://www.incharge.org/wp-content/themes/bb-theme-child/js/zapier-es-chatbot.js"></script>
vendor: 1 bytes, line 2885
2885
2886<script id="form-tracking-storage-js" src="https://www.incharge.org/wp-content/themes/bb-theme-child/js/form-tracking-storage.js"></script>
vendor: 1 bytes, line 2886
2886
2887<script id="rangeslider-js" src="https://www.incharge.org/wp-content/themes/bb-theme-child/js/rangeslider.js"></script>
vendor: 1 bytes, line 2887
2887
2888<script id="slider-init-js" src="https://www.incharge.org/wp-content/themes/bb-theme-child/js/slider-init.js"></script>
vendor: 1 bytes, line 2888
2888
2889<script id="slider-storage-js" src="https://www.incharge.org/wp-content/themes/bb-theme-child/js/slider-storage.js"></script>
vendor: 1 bytes, line 2889
2889
2890<script id="cmplz-cookiebanner-js-extra">
2891var complianz = {"prefix":"cmplz_","debug":"","user_banner_id":"1","set_cookies":[],"block_ajax_content":"0","banner_version":"231","version":"7.6.5","store_consent":"","do_not_track_enabled":"1","consenttype":"optin","region":"eu","geoip":"0","dismiss_timeout":"","disable_cookiebanner":"","soft_cookiewall":"","dismiss_on_scroll":"","cookie_expiry":"365","url":"https://www.incharge.org/wp-json/complianz/v1/","locale":"lang=en&locale=en_US","set_cookies_on_root":"0","cookie_domain":"","current_policy_id":"58","cookie_path":"/","categories":{"statistics":"statistics","marketing":"marketing"},"tcf_active":"","placeholdertext":"Click to accept {category} cookies and enable this content","css_file":"https://www.incharge.org/wp-content/uploads/complianz/css/banner-{banner_id}-{type}.css?v=231","page_links":{"eu":{"cookie-statement":{"title":"","url":"https://www.incharge.org/understanding-debt/credit-card/what-is-statute-of-limitations-all-50-states/"},"privacy-statement":{"title":"Privacy Policy","url":"https://www.incharge.org/privacy/"},"disclaimer":{"title":"Terms &#038; Conditions of Use","url":"https://www.incharge.org/terms-and-conditions/"}},"us":{"disclaimer":{"title":"Terms &#038; Conditions of Use","url":"https://www.incharge.org/terms-and-conditions/"}},"uk":{"disclaimer":{"title":"Terms &#038; Conditions of Use","url":"https://www.incharge.org/terms-and-conditions/"}},"ca":{"disclaimer":{"title":"Terms &#038; Conditions of Use","url":"https://www.incharge.org/terms-and-conditions/"}},"au":{"disclaimer":{"title":"Terms &#038; Conditions of Use","url":"https://www.incharge.org/terms-and-conditions/"}},"za":{"disclaimer":{"title":"Terms &#038; Conditions of Use","url":"https://www.incharge.org/terms-and-conditions/"}},"br":{"disclaimer":{"title":"Terms &#038; Conditions of Use","url":"https://www.incharge.org/terms-and-conditions/"}}},"tm_categories":"1","forceEnableStats":"","preview":"","clean_cookies":"","aria_label":"Click to accept {category} cookies and enable this content","iapi_nav":"fallback"};
2892//# sourceURL=cmplz-cookiebanner-js-extra
2893</script>
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2893
2894<script defer id="cmplz-cookiebanner-js" src="https://www.incharge.org/wp-content/plugins/complianz-gdpr-premium/cookiebanner/js/complianz.min.js?ver=1788939441"></script>
vendor: 1 bytes, line 2894
2894
2895<script id="cmplz-cookiebanner-js-after">
2896		window.uetq = window.uetq || [];
2897		window.uetq.push('consent', 'default', {
2898			'ad_storage': 'denied'
2899		});
2900
2901		document.addEventListener('cmplz_fire_categories', function(e) {
2902			var consentedCategories = e.detail.categories;
2903			let marketing = 'denied';
2904			if (cmplz_in_array('marketing', consentedCategories)) {
2905				marketing = 'granted';
2906			}
2907			window.uetq.push('consent', 'update', {
2908				'ad_storage': marketing
2909			});
2910		});
2911
2912		document.addEventListener('cmplz_revoke', function(e) {
2913			window.uetq.push('consent', 'update', {
2914				'ad_storage': 'denied'
2915			});
2916		});
2917	
2918
2919	let cmplzBlockedContent = document.querySelector('.cmplz-blocked-content-notice');
2920	if ( cmplzBlockedContent) {
2921	        cmplzBlockedContent.addEventListener('click', function(event) {
2922            event.stopPropagation();
2923        });
2924	}
2925    
2926//# sourceURL=cmplz-cookiebanner-js-after
2927</script>
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2927
2928<script id="fl-builder-layout-50581-js" src="https://www.incharge.org/wp-content/uploads/bb-plugin/cache/50581-layout-partial.js?ver=93971bbc83ddfb4d8e7571ae1f40be7d"></script>
vendor: 1 bytes, line 2928
2928
2929<script id="fl-builder-layout-50534-js" src="https://www.incharge.org/wp-content/uploads/bb-plugin/cache/50534-layout-partial.js?ver=15497b674772a814d2a0f64fb7288035"></script>
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2929
2930<script id="fl-builder-layout-56937-js" src="https://www.incharge.org/wp-content/uploads/bb-plugin/cache/56937-layout-partial.js?ver=ec0679d4538b7c7857a4d03875adb2f3"></script>
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2930
2931<script id="fl-builder-layout-50536-js" src="https://www.incharge.org/wp-content/uploads/bb-plugin/cache/50536-layout-partial.js?ver=e4d59fb759b93629a83c020837ec194b"></script>
2931
2932<!-- Statistics script Complianz GDPR/CCPA -->
2933						
2933<script data-category="functional">
vendor: 339 bytes, lines 2933-2938
2933
2934							(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
2935		new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
2936	j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
2937	'https://www.googletagmanager.com/gtm.js?id='+i+dl;f.parentNode.insertBefore(j,f);
2938})(window,document,'script','dataLayer','
2938GTM-KMNR2R
vendor: 5 bytes, lines 2938-2939
2938');
2939
2940const revokeListeners = [];
2941window.addRevokeListener = (callback) => {
2942	revokeListeners.push(callback);
2943};
2944document.addEventListener("cmplz_revoke", function (e) {
2945	cmplz_set_cookie('cmplz_consent_mode', 'revoked', false );
2946	revokeListeners.forEach((callback) => {
2947		callback();
2948	});
2949});
2950
2951const consentListeners = [];
2952/**
2953 * Called from GTM template to set callback to be executed when user consent is provided.
2954 * @param callback
2955 */
2956window.addConsentUpdateListener = (callback) => {
2957	consentListeners.push(callback);
2958};
2959document.addEventListener("cmplz_fire_categories", function (e) {
2960	var consentedCategories = e.detail.categories;
2961	const consent = {
2962		'security_storage': "granted",
2963		'functionality_storage': "granted",
2964		'personalization_storage':  cmplz_in_array( 'preferences', consentedCategories ) ? 'granted' : 'denied',
2965		'analytics_storage':  cmplz_in_array( 'statistics', consentedCategories ) ? 'granted' : 'denied',
2966		'ad_storage': cmplz_in_array( 'marketing', consentedCategories ) ? 'granted' : 'denied',
2967		'ad_user_data': cmplz_in_array( 'marketing', consentedCategories ) ? 'granted' : 'denied',
2968		'ad_personalization': cmplz_in_array( 'marketing', consentedCategories ) ? 'granted' : 'denied',
2969	};
2970
2971	//don't use automatic prefixing, as the TM template needs to be sure it's cmplz_.
2972	let consented = [];
2973	for (const [key, value] of Object.entries(consent)) {
2974		if (value === 'granted') {
2975			consented.push(key);
2976		}
2977	}
2978	cmplz_set_cookie('cmplz_consent_mode', consented.join(','), false );
2979	consentListeners.forEach((callback) => {
2980		callback(consent);
2981	});
2982});
2983						</script>
2983
2984						<!-- Script Center marketing script Complianz GDPR/CCPA -->
2985				
2985<script  type="text/plain"
2986											data-category="marketing">
2987					var hs = document.createElement("script");
2988hs.type = "text/javascript";
2989hs.id = "hs-script-loader";
2990hs.defer = true;
2991hs.src = "//js.hs-scripts.com/49245358.js";
2992document.head.appendChild(hs);
2993console.log("fire marketing script")
2994				</script>
2994
2995				
2995<script>window.lazyLoadOptions=[{elements_selector:"img[data-lazy-src],.rocket-lazyload,iframe[data-lazy-src]",data_src:"lazy-src",data_srcset:"lazy-srcset",data_sizes:"lazy-sizes",class_loading:"lazyloading",class_loaded:"lazyloaded",threshold:300,callback_loaded:function(element){if(element.tagName==="IFRAME"&&element.dataset.rocketLazyload=="fitvidscompatible"){if(element.classList.contains("lazyloaded")){if(typeof window.jQuery!="undefined"){if(jQuery.fn.fitVids){jQuery(element).parent().fitVids()}}}}}},{elements_selector:".rocket-lazyload",data_src:"lazy-src",data_srcset:"lazy-srcset",data_sizes:"lazy-sizes",class_loading:"lazyloading",class_loaded:"lazyloaded",threshold:300,}];window.addEventListener('LazyLoad::Initialized',function(e){var lazyLoadInstance=e.detail.instance;if(window.MutationObserver){var observer=new MutationObserver(function(mutations){var image_count=0;var iframe_count=0;var rocketlazy_count=0;mutations.forEach(function(mutation){for(var i=0;i<mutation.addedNodes.length;i++){if(typeof mutation.addedNodes[i].getElementsByTagName!=='function'){continue}
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2997images=mutation.addedNodes[i].getElementsByTagName('img');is_image=mutation.addedNodes[i].tagName=="IMG";iframes=mutation.addedNodes[i].getElementsByTagName('iframe');is_iframe=mutation.addedNodes[i].tagName=="IFRAME";rocket_lazy=mutation.addedNodes[i].getElementsByClassName('rocket-lazyload');image_count+=images.length;iframe_count+=iframes.length;rocketlazy_count+=rocket_lazy.length;if(is_image){image_count+=1}
2998if(is_iframe){iframe_count+=1}}});if(image_count>0||iframe_count>0||rocketlazy_count>0){lazyLoadInstance.update()}});var b=document.getElementsByTagName("body")[0];var config={childList:!0,subtree:!0};observer.observe(b,config)}},!1)</script>
2998<script data-no-minify="1" async src="https://www.incharge.org/wp-content/plugins/wp-rocket/assets/js/lazyload/17.8.3/lazyload.min.js"></script>
2998<script>/*!
2999 * Bowser - a browser detector
3000 * https://github.com/ded/bowser
3001 * MIT License | (c) Dustin Diaz 2015
3002 */!function(name,definition){if(typeof module!='undefined'&&module.exports)module.exports=definition()
3003else if(typeof define=='function'&&define.amd)define(name,definition)
3004else this[name]=definition()}('bowser',function(){var t=true
3005function detect(ua){function getFirstMatch(regex){var match=ua.match(regex);return(match&&match.length>1&&match[1])||'';}
3006function getSecondMatch(regex){var match=ua.match(regex);return(match&&match.length>1&&match[2])||'';}
3007var iosdevice=getFirstMatch(/(ipod|iphone|ipad)/i).toLowerCase(),likeAndroid=/like android/i.test(ua),android=!likeAndroid&&/android/i.test(ua),nexusMobile=/nexus\s*[0-6]\s*/i.test(ua),nexusTablet=!nexusMobile&&/nexus\s*[0-9]+/i.test(ua),chromeos=/CrOS/.test(ua),silk=/silk/i.test(ua),sailfish=/sailfish/i.test(ua),tizen=/tizen/i.test(ua),webos=/(web|hpw)os/i.test(ua),windowsphone=/windows phone/i.test(ua),windows=!windowsphone&&/windows/i.test(ua),mac=!iosdevice&&!silk&&/macintosh/i.test(ua),linux=!android&&!sailfish&&!tizen&&!webos&&/linux/i.test(ua),edgeVersion=getFirstMatch(/edge\/(\d+(\.\d+)?)/i),versionIdentifier=getFirstMatch(/version\/(\d+(\.\d+)?)/i),tablet=/tablet/i.test(ua),mobile=!tablet&&/[^-]mobi/i.test(ua),xbox=/xbox/i.test(ua),result
3008if(/opera|opr|opios/i.test(ua)){result={name:'Opera',opera:t,version:versionIdentifier||getFirstMatch(/(?:opera|opr|opios)[\s\/](\d+(\.\d+)?)/i)}}
3009else if(/coast/i.test(ua)){result={name:'Opera Coast',coast:t,version:versionIdentifier||getFirstMatch(/(?:coast)[\s\/](\d+(\.\d+)?)/i)}}
3010else if(/yabrowser/i.test(ua)){result={name:'Yandex Browser',yandexbrowser:t,version:versionIdentifier||getFirstMatch(/(?:yabrowser)[\s\/](\d+(\.\d+)?)/i)}}
3011else if(/ucbrowser/i.test(ua)){result={name:'UC Browser',ucbrowser:t,version:getFirstMatch(/(?:ucbrowser)[\s\/](\d+(?:\.\d+)+)/i)}}
3012else if(/mxios/i.test(ua)){result={name:'Maxthon',maxthon:t,version:getFirstMatch(/(?:mxios)[\s\/](\d+(?:\.\d+)+)/i)}}
3013else if(/epiphany/i.test(ua)){result={name:'Epiphany',epiphany:t,version:getFirstMatch(/(?:epiphany)[\s\/](\d+(?:\.\d+)+)/i)}}
3014else if(/puffin/i.test(ua)){result={name:'Puffin',puffin:t,version:getFirstMatch(/(?:puffin)[\s\/](\d+(?:\.\d+)?)/i)}}
3015else if(/sleipnir/i.test(ua)){result={name:'Sleipnir',sleipnir:t,ver
3015sion:getFirstMatch(/(?:sleipnir)[\s\/](\d+(?:\.\d+)+)/i)}}
3016else if(/k-meleon/i.test(ua)){result={name:'K-Meleon',kMeleon:t,version:getFirstMatch(/(?:k-meleon)[\s\/](\d+(?:\.\d+)+)/i)}}
3017else if(windowsphone){result={name:'Windows Phone',windowsphone:t}
3018if(edgeVersion){result.msedge=t
3019result.version=edgeVersion}
3020else{result.msie=t
3021result.version=getFirstMatch(/iemobile\/(\d+(\.\d+)?)/i)}}
3022else if(/msie|trident/i.test(ua)){result={name:'Internet Explorer',msie:t,version:getFirstMatch(/(?:msie |rv:)(\d+(\.\d+)?)/i)}}else if(chromeos){result={name:'Chrome',chromeos:t,chromeBook:t,chrome:t,version:getFirstMatch(/(?:chrome|crios|crmo)\/(\d+(\.\d+)?)/i)}}else if(/chrome.+? edge/i.test(ua)){result={name:'Microsoft Edge',msedge:t,version:edgeVersion}}
3023else if(/vivaldi/i.test(ua)){result={name:'Vivaldi',vivaldi:t,version:getFirstMatch(/vivaldi\/(\d+(\.\d+)?)/i)||versionIdentifier}}
3024else if(sailfish){result={name:'Sailfish',sailfish:t,version:getFirstMatch(/sailfish\s?browser\/(\d+(\.\d+)?)/i)}}
3025else if(/seamonkey\//i.test(ua)){result={name:'SeaMonkey',seamonkey:t,version:getFirstMatch(/seamonkey\/(\d+(\.\d+)?)/i)}}
3026else if(/firefox|iceweasel|fxios/i.test(ua)){result={name:'Firefox',firefox:t,version:getFirstMatch(/(?:firefox|iceweasel|fxios)[ \/](\d+(\.\d+)?)/i)}
3027if(/\((mobile|tablet);[^\)]*rv:[\d\.]+\)/i.test(ua)){result.firefoxos=t}}
3028else if(silk){result={name:'Amazon Silk',silk:t,version:getFirstMatch(/silk\/(\d+(\.\d+)?)/i)}}
3029else if(/phantom/i.test(ua)){result={name:'PhantomJS',phantom:t,version:getFirstMatch(/phantomjs\/(\d+(\.\d+)?)/i)}}
3030else if(/slimerjs/i.test(ua)){result={name:'SlimerJS',slimer:t,version:getFirstMatch(/slimerjs\/(\d+(\.\d+)?)/i)}}
3031else if(/blackberry|\bbb\d+/i.test(ua)||/rim\stablet/i.test(ua)){result={name:'BlackBerry',blackberry:t,version:versionIdentifier||getFirstMatch(/blackberry[\d]+\/(\d+(\.\d+)?)/i)}}
3032else if(webos){result={name:'WebOS',webos:t,version:versionIdentifier||getFirstMatch(/w(?:eb)?osbrowser\/(\d+(\.\d+)?)/i)};if(/touchpad\//i.test(ua)){result.touchpad=t;}}
3033else if(/bada/i.test(ua)){result={name:'Bada',bada:t,version:getFirstMatch(/dolfin\/(\d+(\.\d+)?)/i)};}
3034else if(tizen){result={name:'Tizen',tizen:t,version:getFirstMatch(/(?:tizen\s?)?browser\/(\d+(\.\d+)?)/i)||versionIdentifier};}
3035else if(/qupzilla/i.test(ua)){result={name:'QupZilla',qupzilla:t,version:getFirstMatch(/(?:qupzilla)[\s\/](\d+(?:\.\d+)+)/i)||versionIdentifier}}
3036else if(/chromium/i.test(ua)){result={name:'Chromium',chromium:t,version:getFirstMatch(/(?:chromium)[\s\/](\d+(?:\.\d+)?)/i)||versionIdentifier}}
3037else if(/chrome|crios|crmo/i.test(ua)){result={name:'Chrome',chrome:t,version:getFirstMatch(/(?:chrome|crios|crmo)\/(\d+(\.\d+)?)/i)}}
3038else if(android){result={name:'Android',version:versionIdentifier}}
3039else if(/safari|applewebkit/i.test(ua)){result={name:'Safari',safari:t}
3040if(versionIdentifier){result.version=versionIdentifier}}
3041else if(iosdevice){result={name:iosdevice=='iphone'?'iPhone':iosdevice=='ipad'?'iPad':'iPod'}
3042if(versionIdentifier){result.version=versionIdentifier}}
3043else if(/googlebot/i.test(ua)){result={name:'Googlebot',googlebot:t,version:getFirstMatch(/googlebot\/(\d+(\.\d+))/i)||versionIdentifier}}
3044else{result={name:getFirstMatch(/^(.*)\/(.*) /),version:getSecondMatch(/^(.*)\/(.*) /)};}
3045if(!result.msedge&&/(apple)?webkit/i.test(ua)){if(/(apple)?webkit\/537\.36/i.test(ua)){result.name=result.name||"Blink"
3046result.blink=t}else{result.name=result.name||"Webkit"
3047result.webkit=t}
3048if(!result.version&&versionIdentifier){result.version=versionIdentifier}}else if(!result.opera&&/gecko\//i.test(ua)){result.name=result.name||"Gecko"
3049result.gecko=t
3050result.version=result.version||getFirstMatch(/gecko\/(\d+(\.\d+)?)/i)}
3051if(!result.msedge&&(android||result.silk)){result.android=t}else if(iosdevice){result[iosdevice]=t
3052result.ios=t}else if(mac){result.mac=t}else if(xbox){result.xbox=t}else if(windows){result.windows=t}else if(linux){result.linux=t}
3053var osVersion='';if(result.windowsphone){osVersion=getFirstMatch(/windows phone (?:os)?\s?(\d+(\.\d+)*)/i);}else if(iosdevice){osVersion=getFirstMatch(/os (\d+([_\s]\d+)*) like mac os x/i);osVersion=osVersion.replace(/[_\s]/g,'.');}else if(android){osVersion=getFirstMatch(/android[ \/-](\d+(\.\d+)*)/i);}else if(result.webos){osVersion=getFirstMatch(/(?:web|hpw)os\/(\d+(\.\d+)*)/i);}else if(result.blackberry){osVersion=getFirstMatch(/rim\stablet\sos\s(\d+(\.\d+)*)/i);}else if(result.bada){osVersion=getFirstMatch(/bada\/(\d+(\.\d+)*)/i);}else if(result.tizen){osVersion=getFirstMatch(/tizen[\/\s](\d+(\.\d+)*)/i);}
3054if(osVersion){result.osversion=osVersion;}
3055var osMajorVersion=osVersion.split('.')[0];if(tablet||nexusTablet||iosdevice=='ipad'||(android&&(osMajorVersion==3||(osMajorVersion>=4&&!mobile)))||result.silk){result.tablet=t}else if(mobile||iosdevice=='iphone'||iosdevice=='ipod'||android||nexusMobile||result.blackberry||result.webos||result.bada){result.mobile=t}
3056if(result.msedge||(result.msie&&result.version>=10)||(result.yandexbrowser&&result.version>=15)||(result.vivaldi&&result.version>=1.0)||(result.chrome&&result.version>=20)||(result.firefox&&result.version>=20.0)||(result.safari&&result.version>=6)||(result.opera&&result.version>
3056=10.0)||(result.ios&&result.osversion&&result.osversion.split(".")[0]>=6)||(result.blackberry&&result.version>=10.1)||(result.chromium&&result.version>=20)){result.a=t;}
3057else if((result.msie&&result.version<10)||(result.chrome&&result.version<20)||(result.firefox&&result.version<20.0)||(result.safari&&result.version<6)||(result.opera&&result.version<10.0)||(result.ios&&result.osversion&&result.osversion.split(".")[0]<6)||(result.chromium&&result.version<20)){result.c=t}else result.x=t
3058return result}
3059var bowser=detect(typeof navigator!=='undefined'?navigator.userAgent:'')
3060bowser.test=function(browserList){for(var i=0;i<browserList.length;++i){var browserItem=browserList[i];if(typeof browserItem==='string'){if(browserItem in bowser){return true;}}}
3061return false;}
3062function getVersionPrecision(version){return version.split(".").length;}
3063function map(arr,iterator){var result=[],i;if(Array.prototype.map){return Array.prototype.map.call(arr,iterator);}
3064for(i=0;i<arr.length;i++){result.push(iterator(arr[i]));}
3065return result;}
3066function compareVersions(versions){var precision=Math.max(getVersionPrecision(versions[0]),getVersionPrecision(versions[1]));var chunks=map(versions,function(version){var delta=precision-getVersionPrecision(version);version=version+new Array(delta+1).join(".0");return map(version.split("."),function(chunk){return new Array(20-chunk.length).join("0")+chunk;}).reverse();});while(--precision>=0){if(chunks[0][precision]>chunks[1][precision]){return 1;}
3067else if(chunks[0][precision]===chunks[1][precision]){if(precision===0){return 0;}}
3068else{return-1;}}}
3069function isUnsupportedBrowser(minVersions,strictMode,ua){var _bowser=bowser;if(typeof strictMode==='string'){ua=strictMode;strictMode=void(0);}
3070if(strictMode===void(0)){strictMode=false;}
3071if(ua){_bowser=detect(ua);}
3072var version=""+_bowser.version;for(var browser in minVersions){if(minVersions.hasOwnProperty(browser)){if(_bowser[browser]){return compareVersions([version,minVersions[browser]])<0;}}}
3073return strictMode;}
3074function check(minVersions,strictMode,ua){return!isUnsupportedBrowser(minVersions,strictMode,ua);}
3075bowser.isUnsupportedBrowser=isUnsupportedBrowser;bowser.compareVersions=compareVersions;bowser.check=check;bowser._detect=detect;return bowser});(function($){UABBTrigger={triggerHook:function(hook,args){$('body').trigger('uabb-trigger.'+hook,args);},addHook:function(hook,callback){$('body').on('uabb-trigger.'+hook,callback);},removeHook:function(hook,callback){$('body').off('uabb-trigger.'+hook,callback);},};})(jQuery);jQuery(document).ready(function($){if(typeof bowser!=='undefined'&&bowser!==null){var uabb_browser=bowser.name,uabb_browser_v=bowser.version,uabb_browser_class=uabb_browser.replace(/\s+/g,'-').toLowerCase(),uabb_browser_v_class=uabb_browser_class+parseInt(uabb_browser_v);$('html').addClass(uabb_browser_class).addClass(uabb_browser_v_class);}
3076$('.uabb-row-separator').parents('html').css('overflow-x','hidden');});(function($){})(jQuery);</script>
3076
3077</body>
3078</html>

Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.