Takechargeamerica.org

Straightforward enrollment and portal

Enrollment took a phone call and a few uploads. The portal is basic but clear. Learning curve was on my side, mostly understanding how creditor concessions kick in after first payments.

Compassionate plan that calms

Counselor walked me through my budget without judgment. We mapped payments and I finally exhaled. Closing cards was tough emotionally, but the single draft each month makes my brain quiet.

One payment and real relief

Payments consolidated into one draft that hits the same day every month. The team emailed a schedule, creditor letters, and next steps. Questions were answered quickly by phone. The best part was seeing interest rates drop, which made early progress feel real.

Compassion and real structure

Signed up for a counseling session online, uploaded my debts, and spoke with a kind advisor. The plan consolidated my cards into one payment. Site navigation and portal were straightforward.

Helpful coaching, slow at first

My counselor walked through income and expenses patiently and explained the DMP fees for my state. We enrolled most cards and set autopay. The first months felt slow because balances barely moved, but lower interest kicked in by month three. Communication stayed consistent.

Relief you can feel

I felt genuinely reassured. Knowing one payment covers everything calmed me down, and the team checks in kindly. Progress is steady and I'm grateful.

Breathing room at last

I felt relief after enrollment. Interest rates dropped, one autopay replaced five, and the counselor checked in so I didn’t drift off plan.

Supportive, structured program

Started with a free online counseling session, then a call to review debts. They proposed a DMP with disclosed setup and monthly fees. Creditors lowered rates after my first payment. The portal shows progress clearly, and phone support has been patient each time I called.

Take Charge America is a lifesaver.

Take Charge America is a lifesaver. Back in 2019, we were in serious debt ($30K, not counting the student loan), struggling to buy food except with our small WIC help, and raising two, soon to be three, young kids, with all our money going to lenders (one card had almost 25% interest!). Take Charge worked hard to lower all our credit card rates to single-digit numbers! It will take us five years, but we should be debt-free next year. Such a relief! Such a blessing!

The new website design is a big dissapointment.

The new website design is a big dissapointment. I can't see paydown for each account and it has a really bad UI.

I just talked to Carol. She was amazing!

I just talked to Carol. She was amazing! The team is so friendly and supportive! I’m almost done with my payments, and working with TCA has been awesome. Definitely recommend this company. Thanks a lot to everyone there!

One of the main reasons TCA worked so well

One of the main reasons TCA worked so well for me was due to three key factors: 1. The team consists of genuine experts who grasp real debt management and can guide, advise, and support their clients with sincere concern for their well-being. 2. They understand that LIFE can bring unexpected challenges and are non-judgmental, providing support and empathy instead. 3. They genuinely want you to achieve success!

I really enjoyed working with

I really enjoyed working with Take charge! They were super helpful in putting my debts together and helping me with my budget. Whenever I had a question or wanted to make a change, they were right there. Really smart and friendly.

Outstanding!

Outstanding! They acted professionally and respectfully. Their program seemed practical to us. We appreciated the additional financial details and resources given. Working with them was enjoyable!

When I learned that my account

When I learned that my account would be shifted to a different company, I initially had reservations because Family Financial had been an excellent match for my financial circumstances. Throughout every phone call I had with Take Charge America, regardless of who I spoke to, they were courteous, kept me well-informed, and consistently made me feel like a valued customer. While I'm committed to staying debt-free, I can genuinely say that Take Charge America would be the go-to choice for me or anyone I know in need of their services. They are an outstanding company, and I truly believe they prioritized my financial well-being!

Take Charge America

Take Charge America has been a lifesaver for me. Thanks to their support, I have been able to pay off all of my credit card debt. The staff are so friendly and honest. They don't have any hidden fees or surprises; my payments stay the same so I can better manage my finances. I'm truly appreciative to Take Charge America for enabling me to get out of debt!

I wish I had made a different decision

I had hoped for better results with eFinancial.com. It's been 6 months into my agreement, and unfortunately, my credit rating has actually gone down. While they negotiated a better interest rate, they have not been making timely payments to my creditors. Despite reaching out to discuss the issue, I received various reasons and no resolution. I enlisted their services to improve my credit, but it seems I would have been better off taking out a consolidation loan. Now, my credit is in bad shape, and closing all my accounts, per their recommendation, has left me with no open credit to improve my score. I wish I had made a different decision.