Take Charge America, Inc.

It started off as very positive. They told me after looking at my "numbers" that they would be able to take my monthly payment from $77 per month down to $51 per month - the only down side to that would be that my 25 years would start over. They suggested that I might want to stay with my current lenders, depending on how long I had to go. I weighed the pros and cons and decided to go with them (and the lower payment).

It was then that they let me know, "We charge a one-time fee of $350 for assistance with enrollment in the program. We do have options for splitting the fee into multiple payments if that is not affordable."

That immediately made Take Charge America NOT an option. Paying a bunch of money so that I can pay less money defeats the purpose. It doesn't even make any logical sense. If I could afford the $350 (plus $51 per month), I could afford the $77 per month! After 13 payments of $77, I would have still paid less than the $51 per month plus the $350 "assistance" fee.

Seems kind of strange that they didn't disclose that $350 fee until I was ready to "start the program"...

Excellent company! The customer service has been wonderful since I started with them. I would recommend this company to anyone need assitance taking charge of debt.

I was in debt and was floundering. I didn't know what to do and Take Charge America was recommended to me. I did my research and found they seemed to be a good company. They have helped me to get out of debt in only 4 1/2 years. It was a tough road, but everytime I needed help adjusting payments or changing a payment date they were quick to respond. When I called the 800 number, I always got a person. The customer service was impeccable. They were efficient, always helpful and always friendly. I highly recommend this company to anyone who finds themselves so far in debt, they don't know what to do.

In Oct 2009 a co-worker and I were talking about debt, and Income issue when he asked me just how much credit card debt I really had. I told him about $40,000 to $45,000. I truly did not know. He had me get all me credit cards statements together and put the total amount of both overall debt and monthly pay outs. I and my wife were shocked to death to find we were $77,645.00 in credit card debt. On top of that were two cars, vacation land loan, and a mortgage. My co-worker had me call TCA just to talk with them. I did, and in Nov 2009 we started down the hard road of paying off the credit cards thru TCA. The first six months really did not see much difference, but as time went on month by months we could see more principal and less interest being paid when we started our monthly interest payment were over $900 dollars. This month I will pay $173 in interest, and the rest of the payment is principle. TCA did a great job with almost ever Card Company to get the interest way below what we were paying each month, and our monthly payments were going to be over $600 dollars less what we had been paying on our own. We were getting nowhere until we got set up with TCA. The TCA Rep told us 4year 9month, and we would be done with credit cards. Now just 12 month left in the 4y 9m payment plan we for the first time in 10years owe less than $20,000 in credit card debt, and we are about two months ahead of plan. We have not put much extra money in the payment but we are seeing a big change in how we feel about out debt. By Jun 2014 (or sooner) I will be making my last payment to TCA, and it will be like paying off a mortgage. This will free up money to do the same thing to my house mortgage, and be out of debt all together. All I can say is thanks TCA, and thanks Dave for telling me about this great program. O’ and by the way my wife’s credit score has gone up over 80points, and mine has gone up over 100points, both in the 700s for the first time ever. We were on the road to losing everything, but TCA has put us back into the driving seat. So do not wait, make the call. Set-up your program, stay with it, and you will sleep better at night knowing TCA is helping you out.

Four years ago my husband and I were quickly drowning and at wits ends surrounded by almost 100K in debt. I would call creditors crying asking for them to help work with us. We were willing to pay our debt, we just needed a hand to lift us out of the water to get us started. I decided to call Take Charge America after a family member recommended them. The first part of the conversation was me crying to the woman on the phone about our situation. She was so helpful and assured me everything would be ok. She had me take a look at my budget and not only did she extend her hand to lift us up, she believed that we would be ok. You know what? She was right! Now, I will not say that this journey has been easy. Many months we were stretched way too thin with money but that is where sacrifice and determination get you through. We haven't really eaten out in 4 years or gone on vacations. That is ok with us though because we are SO close to be rid of this debt once and for all. Thank you so much to this company! We only have 3500. of 77K of debt left. I can't wait to scream when we are finally FREE!