Take the first step by speaking with one of our counsellors. The days of worrying about your debt can end right here !

Greater Toronto Area : 416-637-6820

Or fill out the form below and one of our counsellors will be in contact with you within the next 48 hours. *Please note that this is for new inquiries only. If you are an active client, please contact 289.360.3450 or send an e-mail to: client@inchargecanada.ca.

Name and surname
Email to contact you
Telephone number to reach you, Monday to Friday, between 9 am and 5 pm :
and / or from 5 pm to 7 pm :

Your partnership with InCharge begins as soon as we receive your client agreement. Your Counsellor will then send proposals to each of your creditors outlining your new repayment plan. Please remember that not all creditors will process proposals immediately – it may take up to a few weeks before a creditor notifies InCharge that a proposal has been accepted. Some creditors may request a slightly higher payment than proposed, in which case, we will notify you immediately.

The first few months are crucial to your success on a Debt Management Program (DMP). You can contact your counsellor any time to :

• Change your payment method.
• Notify InCharge of creditors calling you.
• Get answers to your questions.

Special benefits, like lower/eliminated interest rates and waived late fees, normally begin once creditors have accepted the proposal.

It is critical that you do not make any additional charges on any of your credit cards once you have enrolled in the program. In fact, if you do incur new charges, you could jeopardize your acceptance into the program. Any additional charges could also affect your payment schedule and your monthly payment amount because it is a function of your balance. As a result, your proposal could reflect an incorrect amount.

When you enroll with InCharge Debt Solutions, you will receive an estimate of the length of time it will take to complete your DMP. It gives you a breakdown of all the debts you owe, the amount owed to each creditor, the proposed payment to each creditor, and the anticipated number of months needed to pay off the debt, with on-time, in-full payments. As your program continues, you can always contact a counsellor to get an updated version of your repayment schedule. Having this timeline is a great motivational tool. It will give you a set-in-stone goal to attain and with every month, the closer you get, you will truly see that success is just around the corner !

Ottawa or Toronto offices
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Montreal offices
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