Take Charge America Reviews 1,732

I've been checking different agencies for help, found them to be inefficient,they start out the gate good,then derail.All because of the simple things like not returning your calls.You leave a message... See more

This was the best decision I've ever made. I was ale to consolidate all of my credit card debts into one monthly payment, and TCA took care of negotiating with each and every one of the companies. I g... See more

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

I appreciate everything you guy’s did for me in helping me get all credit cards paid down. Big lesson learned. I now know when going into debt for things it’s for necessities then I can pay them down... See more

Game Changer without affecting our credit. Was able to get our interest rates cut more than half, in one instance to 0%. The team behind the scenes always responds so quickly to my messages, or when... See more

Take Charge America has truly and responsibly taken charge of my indebtedness by having worked out agreements with all my debtors so that each of them receives a negotiated payment each month. It has... See more

Other companies wanted to do a lot of extra coaching. We knew where we had gone wrong (a lot of medical bills that derailed our finances over time) and wanted a simple way to negotiate. They coached U... See more

they have help ease my mine, they help you understand the program and what is expected from you. you can call in with questions even when you are in the program and they are very friendly. plus they h... See more

I was in a financial bind and reached out to Take Charge America. They didn't judge me or try to get rich from me. They negotiated for me and got manageable monthly payments setup between me and the... See more

Calling Take Charge America has been the best decision my husband and I have made together to help get our family out of debt. With their help we are staying on track with payments and are almost half... See more

March 6,2026 I had credit debt and paying over the payment and still not getting no where so I called 211 for a credit Colsolidated and Take Charged American help me get started and I have been relie... See more

I could not have been happier with Take Charge America, the service personnel go above and beyond, they keep you well inform on the progress you are making paying off your debt. Should you run into a... See more

Payments on time. No worries for me. Very helpful and clear explanations. Credit score increase. Delightful company to work with !!!

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... See more

Charged the wrong bank account that I did not authorize a withdrawal from. Then it took me calling for a few days for them to actually update my account once it was paid off. Just not an easy company... See more

My experience with TCA was blessed. I had a financial crisis and I needed help through it. I learned that I needed a debt management company, not a debt settlement company, and they delivered the best... See more

I was looking for help with my credit card debt and they were so easy to deal with and HONEST about it. I hope to learn from this experience and so grateful that I was made aware of TakeChargeAmerica... See more

The administrative support and/or communciations is really poor and their on-line (on line??) system is very bad. At some point at the beginning you start thinking: Is this a legit/real company? The... See more

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 s... See more

Working with TCA has been a great decision for me, they made it incredibly easy, and what I appreciate the most is that I could turn over the charge cards that were out of control, but I was allowed t... See more

Seems to take too long to get creditors paid. We keep getting notices on how the payments aren't being received on time by creditors and that they will cancel agreements with TCA and demand full payme... See more

It was a very clear process and handled very fast. I can sleep at night 🌙 now. It will take me a long time (4 years) to payoff, but my credit is intact and I have learned a valuable lesson about pur... See more

Sometimes the payment doesn’t cover the consolidated bills on time. It gives me anxiety when I get a notification that one or more of the bills weren’t received on time. Besides that, no complaints. C... See more

When I originally called in, the person I spoke to was incredibly kind and explained everything to me. I was able to get fully signed up and started on the program to relieve my debt within 2 weeks an... See more

The staff is great. The process is easy. The biggest area of concern which is minimized is how much money you pay for the entire process which is explained by the minimizing payments however the cost... See more

They negotiated with the creditors on my behalf and got a significantly lower interest rate. They also do check-ins to make sure everything is running smoothly. The maintenance fee is a small price to... See more

I've been with Take Charge American for 4 years .... I'm very pleased with the way they worked with me... Anytime I had a question or a problem they helped me work it out.... To say the least I'm very... See more

Overall - you guys are doing what you said you would do and it’s helpful individuals like me manage my debt in a more efficient way. And actually pay it down! I am seeing the progress in just a little... See more

They have been so helpful over my journey to get rid of high interest rates and credit card debt. I am proud to say I have now paid off all my credit cards! Thanks TCA!

Started out great. Once money is taken out there is no communication. I don't even know who is handling my case! I received an email from a supervisor that wanted to talk about my issues. Currently... See more

Thank you for restoring peace of mind and making it easy & affordable to pay off my debt to credit card companies.

I get calls from US Bank checking on why payments are late. Every time they call, I have to go through a series of questions. If I don't get the call, I get a letter stating I'm late. I tell the... See more

This place has truly changed my life. They were so kind and understanding and helped me get out of the hole I was sinking into. Thank you for making a stressful situation more manageable.

Excellent customer service representation. Thank you to Selena who called me back promptly and took care of my needs quickly and effectively!

I’ve used TCA multiple times when life costs more than I can afford. I’m so grateful for them and their debt management options.

Not sure why its so hard this last transaction

Ive been able to actually pay down my credit cards and see an improvement in my credit score since I started having take charge America help me

Great customer service!! Easy to follow instructions and my debt is being paid off at a much lower interest rate!

With the credit card debt I had, TCA worked with me and my creditors to give me a payment that fit my budget. I am now working toward a day when I will be debt free.

Reassurance that everything will work out. TCA makes it easy to get your debt straightened out without added stress. Staff is always helpful.

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

-Got my credit card interest rates to 1-3%. -No unexpected bills or fees -WILL help you out of a debt situation These guys are the real deal. Thank God I found them because there are a lot of sca... See more

It’s helpful but unfortunately my counselor is kind of rude and doesn’t understand my situation. If they offer an easy and seamless way to reschedule payments and it doesn’t have limitation then i... See more

I was so stressed and I have no trust most of the ads doing debt relief program but TCA is real and non profit company which is helped me a lot saved me over $68000 interests . Highly recommended. Bec... See more

Payments are working well. No verbal contact at all from who is handling my case. So not happy with that. You would think there would be more correspondence.

I am currently still trying to figure out what exactly TCA responsibilities are in helping me towards my debt management. Apart from setting up the payment plan & lowering the percentage rate on my cr... See more

The customer service representative at TCA are kind hearted and really work with me to help me improve my financial situation. They are a blessing to me

I've had a great experience with this company. Their help has relieved me of a heavy burden.

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 questi... See more

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... See more

The whole process from start to finish was so easy. My representative explained everything in great detail. I was never rushed and he answered any and all questions. He also left his number and said i... See more

I have used tca in the past and it has always went smoothly. I would recommend using this company to consolidate your debts. I hope I don’t have to use in future but if I do, I will use tca.👍👍👍

TCA was very easy to work with. They were responsive and kind. There was no judgement, no guilt, just people helping me take charge of my debt and helping me make sure it doesn't happen again. 5/5 s... See more

They take care of a lot of the "messy" parts of getting out of debt--like making the monthly payments and negotiating with my creditors.