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Take Charge America, Inc
Other Business Names: Credit Counselors of America, Inc., TCA, TakeChargeAmerica
P.O. Box 83330
Phoenix, AZ 85071-3330
Members of BBB: Yes
Business Start Date: 1987
Number of Complaints to the BBB: 15
Summary of Business: Debt Consolidation, Debt Management and Credit Counseling
BBB Profile
Trade Organization Memberships: AICCCA (Association of Independent Consumer Credit Counseling Agencies)
Certifications: Bureau Veritas
Want to make sure that the company you are dealing with is reputable? Read PayingPaul.com's report on debt scams, frauds and rip offs.
Is your company a non-profit debt organization?
Yes, it is a non-profit organization.
Do you offer pre-bankruptcy credit counseling?
No, they do not offer either service.
Are your counselors certified or accredited? If neither, how are they trained?
The counselors are certified through the AFCPE. The representative who provided answers for Payinpaul.com was not aware of any accreditations.
What trade organizations are you a member of?
AICCA
Is there a minimum amount of debt to qualify?
No, there is no minimum amount of debt required to enroll into a debt management plan. Take Charge America, Inc. will analyze the potential client's debt to income ratio and make sure that ratio is positive before enrolling them into a debt management plan.
Do you deal with unsecured debt only?
Yes, the debt must be unsecured.
Do you require that all of my accounts are included in the program?
While they do not require the client to enroll every account, it is strongly encouraged as not doing so may have an adverse affect on the individual's debt management plan. Clients are advised of the possible consequences of leaving an account out of their debt management plan before choosing to do so.
How is the set up fee and monthly maintenance fee determined? What is the fee?
The fees are state mandated. There is a one time set up fee of $75 that is included in the first month's payment. The monthly maintenance fee is $35 per month and also included in the monthly payment.
Are there any creditors that you do not work with?
Take Charge America, Inc. will not work with American Express.
How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online?
The clients receive monthly statements from both their creditors and the organization. In addition, clients have online access to their statements as well.
Do you have a refund policy for unsatisfied customers?
While there is no set in stone refund policy, client's have the ability to drop out of the program at any time. Typically, fees are only returned if the client has only made one or two payments before realizing they can not afford their debt management plan.
(Disclaimer: The following information is based on an informal conversation that PayingPaul.Com had with a representative from this company. In no way should this be construed as a formal statement made by the company about the services it offers. Moreover, although an effort has been made to keep this information up to date and accurate, in no way is this a comprehensive overview of the company profiled. For complete information, please contact a representative from this company.)
Want to get a free quote from a debt management company? Fill out a form and PayingPaul.Com will match you up for free!
Background
Other Business Names: Credit Counselors of America, Inc., TCA, TakeChargeAmerica
P.O. Box 83330
Phoenix, AZ 85071-3330
Members of BBB: Yes
Business Start Date: 1987
Number of Complaints to the BBB: 15
Summary of Business: Debt Consolidation, Debt Management and Credit Counseling
BBB Profile
Trade Organization Memberships: AICCCA (Association of Independent Consumer Credit Counseling Agencies)
Certifications: Bureau Veritas
Want to make sure that the company you are dealing with is reputable? Read PayingPaul.com's report on debt scams, frauds and rip offs.
Is your company a non-profit debt organization?
Yes, it is a non-profit organization.
Do you offer pre-bankruptcy credit counseling?
No, they do not offer either service.
Are your counselors certified or accredited? If neither, how are they trained?
The counselors are certified through the AFCPE. The representative who provided answers for Payinpaul.com was not aware of any accreditations.
What trade organizations are you a member of?
AICCA
Eligibility for Debt Management Plans
Is there a minimum amount of debt to qualify?
No, there is no minimum amount of debt required to enroll into a debt management plan. Take Charge America, Inc. will analyze the potential client's debt to income ratio and make sure that ratio is positive before enrolling them into a debt management plan.
Do you deal with unsecured debt only?
Yes, the debt must be unsecured.
Do you require that all of my accounts are included in the program?
While they do not require the client to enroll every account, it is strongly encouraged as not doing so may have an adverse affect on the individual's debt management plan. Clients are advised of the possible consequences of leaving an account out of their debt management plan before choosing to do so.
Services
How is the set up fee and monthly maintenance fee determined? What is the fee?
The fees are state mandated. There is a one time set up fee of $75 that is included in the first month's payment. The monthly maintenance fee is $35 per month and also included in the monthly payment.
Are there any creditors that you do not work with?
Take Charge America, Inc. will not work with American Express.
How will I be kept appraised of whether you are making my payments on time? Are statements sent? Can I review my statements online?
The clients receive monthly statements from both their creditors and the organization. In addition, clients have online access to their statements as well.
Do you have a refund policy for unsatisfied customers?
While there is no set in stone refund policy, client's have the ability to drop out of the program at any time. Typically, fees are only returned if the client has only made one or two payments before realizing they can not afford their debt management plan.
(Disclaimer: The following information is based on an informal conversation that PayingPaul.Com had with a representative from this company. In no way should this be construed as a formal statement made by the company about the services it offers. Moreover, although an effort has been made to keep this information up to date and accurate, in no way is this a comprehensive overview of the company profiled. For complete information, please contact a representative from this company.)
Want to get a free quote from a debt management company? Fill out a form and PayingPaul.Com will match you up for free!