Take Charge America Reviews 

1,812
TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Considering 331 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the incredibly helpful and knowledgeable staff who actively assist clients in negotiating lower interest rates and establishing highly manageable monthly payment plans. Many people deeply appreciate the clear guidance and consistently supportive customer service that make navigating financial difficulties and getting out of debt much less stressful. Some reviewers were not happy with administrative communication issues and perceived delays in having creditors paid on time. A few consumers also noted occasional billing confusion, anxiety over late notifications, or unexpected difficulties regarding automatic payment withdrawals from their accounts.

What people talk about most

Customer service

People report positive experiences with customer service, noting that representatives are consistently... See more

Staff

Users describe positive interactions with staff, highlighting that representatives are consistently friendly,... See more

Service

Reviewers mention positive feedback about service, expressing deep appreciation and gratitude for the help... See more

Payment

Consumers find payment to be positive, highlighting how manageable monthly plans and significantly lower... See more

User experience

Customers had positive experiences with user_experience, describing the program as accurate, trustworthy, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

One thing that is important to me is communication and transparency. Take Charge America does a great job at that. I started with them 5 years ago, and they helped me reach my goals, become debt free,... See more

Rated 5 out of 5 stars

Take Charge America helped get our debtors low to no interest rates and a reasonable payment plan, and almost 4 years later our debts are paid off.

Company replied

Rated 5 out of 5 stars

We used this company over approximately 20years ago they were helping, professional and we never had any issues. They took care of everything from talking to creditors to sending the money. Before we... See more

Rated 5 out of 5 stars

This is my 2nd time paying off a debt and both times have been successful and wonderful experiences. Life happens, we make bad decisions, but it’s assuring to know your experience helps us available... See more

Company replied


Company details

  1. Debt Relief Service
  2. Credit Counseling Service
  3. Financial Consultant

Written by the company

Since 1987, Take Charge America has been committed to helping people around the country improve their financial futures. We work with individuals and families facing a variety of financial challenges to help them achieve self-reliance, financial stability and independence. Our commitment to financial education has helped us become one of the largest nonprofit credit counseling and debt management agencies in the nation. We have helped more than 1.6 million people manage their finances and repay more than $5 billion in personal debts.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

2K reviews

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1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 73% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

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4.7

All reviews

(1,812)

342 reviews in the last 12 months

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Rated 5 out of 5 stars

A Godsend!

I received clear guidance and help that I didn’t know was possible to manage my CC debt. I feel so secure knowing I am able to pay my debt off without falling further behind, and the organization is very organized and definitely there to help you!

March 8, 2026
Rated 5 out of 5 stars

I appreciate this service

I appreciate this service. I didn’t know how I was going to fix my debt. After sharing my frustration with ChatGPT. It recommended that I do a debt consolidation plan and recommended Take Charge America. Good looking out!! I can actually see my debts going down. I went from the high 40s to now almost high 30s in less than 7 mos. Woohoo I see the light at the end of the tunnel. And it’s not a train coming at me! I HIGHLY recommend Take Charge America to anyone feeling as though they are choking with debt. Even my credit score is going up!

March 8, 2026
Rated 5 out of 5 stars

Very kind counselor

Very kind counselor. She answered all my questions and concerns. Smooth experience! I definitely would recommend TCA to anyone that needs debt consolidation. Thanks!

January 8, 2026
Rated 5 out of 5 stars

Thanks

Thanks, new to this so not much experience to report; appreciated the help from Susie, FEC, to help me begin the process!

March 1, 2026
Rated 5 out of 5 stars

TCA has help years ago

TCA has help years ago, and that was a good experience than and I know they will do a great job this time. What I don’t want to be is a prisoner to my debt. Thank you TCA

March 8, 2026
Rated 5 out of 5 stars

Take Chare America made the process of…

Take Chare America made the process of setting up my credit card consolidation simple and stress free. The representative was helpful, patient and clearly explained my options. I'm grateful for their help and would recommend them to anyone needing help managing credit card debt.

January 28, 2026
Rated 5 out of 5 stars

This is the second time I used your…

This is the second time I used your company
And I was very satisfied on the first time that’s why I used your company again.
The people are very knowledgeable and was able to answer all my questions.
I did recommend your company to my friend who needs the same service

December 1, 2025
Rated 5 out of 5 stars

10/10 amazing.

I am blown away even now by this company. Starting was easy, there was no judgement, no hassle and they have been so flexible. Before TCA I didn’t know how I was going to get out of debt - and now it’s like a weight off my shoulders.

March 8, 2026
Rated 5 out of 5 stars

Incredibly Helpful Organization, TCA Needs More Recognition!

I am very grateful for Take Charge America! I had tried looking to what to do about credit card debt, and all of the articles I found by "trusted" sources (e.g. Forbes) directed me to predatory loan shark agencies. I was literally about to file for bankruptcy when my friend told me about TCA, as they had been working with them for a few months and had very positive reviews! I was amazed that such a non-profit existed, and also dismayed that this wasn't more common knowledge for people who need the help! I have recommended TCA to multiple friends in similar credit card debt situations, and I can't say enough positive things about my experience with this organization! It's been such a relief! My interest rates were negotiated to about 5% and I'm on a 5-year payment plan, whereas before I was paying over 30% interest and I wouldn't have been able to pay off my debt for several decades!

March 8, 2026
Rated 5 out of 5 stars

Weight off my shoulders

The real deal y’all are legit. I almost fell victim to a company that was gonna destroy my credit score. Yet you negotiated on my behalf and cut all of my debt down to one easy payment that I’m able to afford each month while I work my family out of debt. I cannot describe how much of a bleed off my shoulders this has been.

March 1, 2026
Rated 5 out of 5 stars

This is my 2nd time using TCA

This is my 2nd time using TCA. That might not speak well of my money habits but here we are.
I recommend TCA to anyone I know who is having financial troubles. In this world there are so many frauds out there who will destroy your credit and take more of your money.
I appreciate the service from TCA and that they don't shame you when you are going through a rough patch.

September 8, 2025

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