Frequently Asked Questions
Find clear, straightforward answers about our services, programs,
and how we can help you take control of your financial future.
Top Questions
Is Take Charge America a nonprofit?
Yes. Take Charge America is a nonprofit organization dedicated to helping people improve their financial well-being through education, counseling, and debt management solutions.
Is your credit counseling free?
Yes. Our initial credit counseling sessions are confidential and free, giving you clarity on your finances without pressure.
How can Take Charge America help me with my debt?
We explain your options, including credit counseling, debt management and consolidation, so you can make informed decisions for your situation.
Do I have to enroll in a program to get help?
No. You can access guidance and educational resources without enrolling in a repayment program.
Getting Started
Learn the basics and how to get started.
What happens during a credit counseling session?
You’ll speak one-on-one with a certified counselor who reviews your income, expenses, and debts. From there, you’ll receive personalized recommendations and a clear plan for the future. There is no pressure to enroll in anything.
How long does it take to get started?
You can typically schedule a session right away, and most counseling sessions take about 45 to 60 minutes. You’ll leave the conversation with a better understanding of your options.
What if I’m already behind on payments?
It’s okay. You’re not alone. We help people at all stages, whether you’re current, behind, or feeling overwhelmed. The sooner you reach out, the more options you may have.
Debt & Credit
Understand how our programs impact your debt and credit.
Will using your services affect my credit score?
Credit counseling itself does not impact your credit score. If you choose to enroll in a debt management program, there may be a temporary impact, but many clients see long-term improvement as they pay down debt.
How do I know if a debt management plan is right for me?
During your free session, a certified counselor will review your full financial picture and walk through your options. If a debt management plan makes sense, we’ll explain how it works so you can decide with confidence.
What types of debt can you help with?
We primarily help with unsecured debts like credit cards, medical bills, personal and payday loans. Your counselor will review your specific situation and recommend the best path forward.
Can you work directly with my creditors?
Yes. If you enroll in a debt management plan, we can work with your creditors to potentially lower interest rates and consolidate your payments into one monthly payment.
Still have questions?
Talk to a certified counselor or
explore your options today.
We’re here to help!
Programs & Service
Explore the services and programs we offer.
Do you offer help beyond debt repayment?
Yes. In addition to counseling and debt management, we provide financial education, budgeting guidance, and tools to help you build long-term financial stability.
Do you work with organizations or communities?
We’re here to help. No pressure, just guidance.
Our goal is to provide you with the information and support you need to make the best financial decisions for your situation.